Buy Here Pay Here Lots And Dealerships For Cars And Trucks In California

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Purchasing a car at a buy here pay here lot in California means that the vehicle financing is arranged entirely at the dealership. The car is purchased through the car lots in house financing department. When a car is purchased from a buy here pay here lot a bank or other third party lender is completely eliminated from the transaction.

Instead of making monthly payments being to a lender or bank, the payments will be made at the dealership on a weekly or bi-weekly basis. The payment dates are determined at the time of the transaction. Borrowers may be required to make an appearance and bring the check or cash payment directly into the location. Some dealerships allow borrowers to make payments over the phone using a credit card or online.


The major difference between financing at a traditional dealership and purchasing a car at a dealership that specializes in buy here pay here financing is the car shopping experience. Normally when a car is purchased, the financing options are reviewed after a vehicle has been selected. Unfortunately, the finance portion of the car purchase transaction is uncomfortable for many potential car buyers and would be best handled before a vehicle is selected.

At a buy here pay here lot in the state of California, the conversation relating to finance options comes first. The sales associate or dealer will likely run a credit report to get the buyer's credit rating and financial status before showing you available vehicles. The financial conversation will include the amount of monthly payments as well as the required down payment. After the buyer's and the dealer or sales associate have agreed on the finance terms, vehicles that fit into the buyer's current financial situation will be shown.

One of the primary benefits of buy here pay here financing is that credit challenged individuals have an opportunity to obtain a vehicle. For some, these dealerships are not just an option but rather the only option that they may have. The guidelines for accessing vehicle financing have become more stringent and in some cases it may be difficult to qualify for a traditional car loan. If installment payments are consistently made on time, the borrower could improve his or her credit history if the dealership reports payments to the credit reporting agencies.


Below is a listing of buy here pay here programs at car lots and dealerships in California, that we were told, are currently accepting applications from individuals for a car or truck. Note: This list is to be used as a reference only and we cannot guarantee that you will be approved for a car or truck. Please help us keep this list up to date and comprehensive by emailing us at [email protected] with buy here pay here lots and dealerships in your area. Please include the state and city where they are located.

National Auto Group
13541 Prairie Avenue
Hawthorne, CA 90250
(310) 691-4000

JD Byrider - Visalia
333 S. Burke Street
Visalia, CA 93292
Phone: (559) 622-0211

California Imports Inc.
19232 Beach Blvd.
Huntington Beach, CA 92648
(714) 841-6676

Albertos Auto Sales
1260 East Santa Clara
San Jose, CA 95116
(408) 279-8490

Hiatt Auto Sales
603 Santa Rosa Ave.
Santa Rosa, CA 95404
(707) 546-1782

West Coast car Sales
7207 Indiana Ave.
Riverside, CA 92504
(951) 684-6467

Crown Motors
555 Cypress Ave.
Redding, CA 96001
Phone: (530) 241-4321

Statewide Auto Sales
12039 Branford Street
Sun Valley, CA 91352
(877) 341-7464

Auto Workz
272 West Olive Ave.
Burbank, CA 91502
Sales: (818) 845-2092

Ron Lawrence Auto Sales
110 Beard Ave.
Modesto, CA 95354
(209) 577-0592

Action Auto Sales
3140 Fulton Ave.
Sacramento, CA 95821
(916) 484-6000

D & H Motors
10158 Arlington Ave.
Riverside, CA 92503
(951) 688-6867

Family Autos High Desert Used Car Sales
14915 Palmdale Rd.
Victorville, CA 92392
(760) 955-1819

Further information and additional lists in many U.S. States on buy here pay here lots and dealership programs can reviewed at Buy Here Pay Here Lots.

The above information was last reviewed in November 2011.