Top 3 Buy Here Pay Here Dealers in Berkeley CA

Looking for a used car dealer in Berkeley CA but your credit is in bad shape?

Connect with top 3 buy here pay here Berkeley CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Berkeley's BHPH dealers is compiled after an extensive research based on customers’ reviews, rating, and location.

Favorable Outcomes:

  • Bad credit accepted
  • No or little down payment
  • Hassle-free process

Best Buy Here Pay Here Dealers in Berkeley CA

  • Weatherford BMW of Berkeley, CA

  • Toyota of Berkeley, CA

  • Toyota of Berkeley Certified Service Center, CA

  • Why buy here pay here Berkeley CA car dealerships is the right option?

    Usually, when you sign a contract to buy a car with a traditional car dealership, it involves a third party to provide loan for the vehicle. These auto lenders generally have very strict standards for getting the car loan approved. Therefore, the people with bad credit have to deal with car loan rejection. This is where Buy Here Pay Here Berkeley CA car dealership comes which provides easy loan for the vehicle. With a buy here, pay here dealership, the dealer takes care of the entire buying process from selling the car to financing the car on its lot.

    BHPH Berkeley CA dealerships work with a very straightforward process where buying a car and getting financed at the same time is made pretty simple. They specially work with people with poor or no credit. So no worries even if you have poor credit. Most of the time, the customer can drive their new vehicle the same day they visited the shop. This is an amazing experience you will ever have.

    How Buy Here Pay Here Berkeley CA Works

    When the bank says no to your car loan, the buy here pay here Berkeley CA car lots comes to guide you in the right direction to help you get the car of your choice. The process of buying used cars from a buy here pay here Berkeley CA dealer is pretty simple which starts with your visit to any of the dealers listed here. You tell them your car requirement including a specific car model you’re looking for and overall budget. Based on your budget, the dealer shows you a number of cars with desired car models. Once you find the car of your choice, the dealer works with their own exclusive lender for financing the car. The dealer completes the small paper work and hands over the vehicle to you mostly on the same day.

    Buy Here Pay Here Berkeley CA car lots – In-House Financing with Zero Down Payment

    After considering your monthly income and current situation, the dealer may offer you the purchase with no down payment at all. Even if there is any scope of down payment depending upon credit and the price of the vehicle then it starts with a very small amount. Overall, they provide you very customized and flexible financing option that best suits your particular situation.

    Usually, the payment cycle runs monthly and the loan term can run between 6 months to 5 years, heavily depend on the price of the car and the upfront payment you make.

    To make the buying process easier, most of the buy here pay here dealers don’t require expensive full coverage car insurance instead they provide vehicle with full coverage that covers repair and maintenance part. This ensures that the vehicle is fully protected.

    Know the Facts - Buy Here Pay Here Berkeley CA Car lots Dealership

    The one thing is very true about buy here pay here Berkeley CA is that it brings you the best conditioned cars with low miles and a good engine and all is made available at flexible financing options. But when you get your vehicle financed through a dealer’s in-house financing, the interest rates on loan are higher than the loan from a bank or credit union.

    The most of the buy here pay here dealers report the customers’ payment record to significant credit bureau which results into a positive effect on your credit score. Thus, by making timely payment, it does help to improve your credit score.

    Because these Berkeley CA dealers deal with people with poor credit, so there is high risk in financing the vehicle to such people and that is why most of the vehicles are installed with tracking device to help locate the vehicle’s current location for repossession, in case the customer fails to make the payment.

    Buy Here Pay Here Berkeley CA – Fast Approval Low or no credit score

    The buy here pay here Berkeley CA dealers come with their in-house financing program that doesn’t take more than an hour to process the loan. This is a kind of service you will not get from regular dealers. This saves you a lot of time as well as gives you a hassle free car buying experience.

    Unlike regular dealers, BHPH dealers are more transparent about their pricing and terms of loan which gives peace of mind to the customers.

    BHPH Berkeley CA Dealer – Preapproval of Application

    However, it is mandatory to visit the dealer shop to find the vehicle of your choice, but if you want to confirm beforehand whether the dealer will accept your loan application or not, then you can send your requirement online. Once the BHPH Berkeley CA dealer confirms the approval of your application, you can schedule your visit to make the purchase. This again saves you time that you would have spent at dealership.

    Advice on BHPH dealership Berkeley CA

    Generally, we advice customers to go to the traditional lenders first such as banks, credit unions, or finance company. But if your application gets rejection from all of these traditional options then BHPH dealers are the one who can make things possible for you irrespective of your poor credit score.

    Unlike traditional lenders, BHPH dealers understand the fact that genuine people may have bad credit score either due to huge medical bills or unexpected divorce or any other family issues. Therefore, they show the trust on these people and make the purchase possible for them.

    Average Credit Score to Buy a Used Car from BHPH dealer Berkeley CA

    The credit score becomes very crucial when it comes to getting loan approval especially when it is through traditional financer like bank or credit union.

    If a customer is looking to buy a used car through traditional financing in Berkeley CA, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Berkeley CA accepts the request of these customers also who have credit score below 600. They provide loan on used car through special financing program. Thus, BHPH Berkeley CA is a great option for those who have poor bank record and bad credit score.

    The credit score does not only determine the approval or rejection of the loan application but it also determines the interest rate. The lower the credit score will be, higher the interest rates you will pay. The BHPH dealers vary in interest rates, so you should compare their interest rates properly before venturing into any agreement.

    Berkeley CA buy here pay here Reviews

    Here is what users says about Berkeley BHPH dealers listed here. You can read reviews of individual dealer at their profile page.

    1. buy here pay here Berkeley dealer review by Kimberly Ann Graham

      Kimberly Ann Graham rated Weatherford BMW of Berkeley

      Went there after researching pre-owned BMW 750i sedans. Found my new car online and called the dealership. After speaking at length about this particular vehicle with Kevin Thomas, my salesman, I was so confident that this was the car for me, I had my daughter drop me off at the dealership and go home.....to San Jose! That's a 1 hour drive back if it hadn't worked out as I was confident that it would. The vehicle I bought is a 2012 750i M Class with 19,000 miles on it. The price I got made it a great deal on what looks like a brand new vehicle. Parked side by side with my bosses 2015 750Li it is hard to see any difference beyond the longer wheel base. Beautiful car. Will buy from them again! My only wish is that they were closer so I could use their service department too. Have made one trip up and found the service reps to be friendly, fast and knowledgeable.

    2. buy here pay here Berkeley dealer review by Jason Jacobson

      Jason Jacobson rated Weatherford BMW of Berkeley

      I had my 3 series serviced at Weatherford for almost 3 years. The service dept was kind and accommodating with my work schedule. They didn't push for additional work and the car was always returned spotless. I recently purchased an X3 and client adviser Nick Mills was amazing! I did my research and had some technical questions that Nick knowledgeably answered and even explained the changes between the model years. Negotiating was very leveled and the open office concept in the showroom made it even more comfortable. I purchased the exact car I wanted and couldn't be happier with my experience at Weatherford! 100% Recommended.

    3. buy here pay here Berkeley dealer review by Stephen Chan

      Stephen Chan rated Toyota of Berkeley

      My windshield cracked very soon after getting my car. Jason in the service department took care of me. I’m very happy with the service and professionalism here. Looking forward to maintaining the relationship with these guys!

    4. buy here pay here Berkeley dealer review by Analisa Six

      Analisa Six rated Toyota of Berkeley

      AJ, Vanessa, Ben and Jose were all super helpful and amazing yesterday when I bought my used 2013 Jeep Wrangler. This was my first time financing a car and I was nervous about being self employed and having a newer credit history. They worked with me to find the best deal and I felt extremely taken care of, respected, and communicated with in a transparent and straight forward way. For someone like me who has had a lot of anxiety about the car buying process, this was the most seamless and positive experience I could have hoped for. I got my dream car and also 3 years warranty from the dealership since the original had expired. I feel great moving forward with my new Jeep knowing that I have that coverage and knowing that I can afford my monthly payments thanks to them getting me the best deal! After over a year of looking at Jeeps and researching what I wanted and how to get it, I know I got a great deal and am eternally grateful for the folks at Toyota Berkeley for making my dreams come true.

    5. buy here pay here Berkeley dealer review by Karibu Nyaggah

      Karibu Nyaggah rated Toyota of Berkeley Certified Service Center

      Great service and very efficient. They did a great repair work, and made some great recommendations with some questions I had. Looking forward to the next service.

    6. buy here pay here Berkeley dealer review by Kevin Llewellyn

      Kevin Llewellyn rated Toyota of Berkeley Certified Service Center

      Took my 2020 Rav4 in for check engine light. They had to replace both catalytic converters due to defects! They were very helpful and gave me a free rental Rav4 while they were waiting for parts! Awesome customer service!!!

    BHPH Berkeley CA dealer

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