Top 19 Buy Here Pay Here Dealers in Chula Vista CA

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

Connect with top 19 buy here pay here Chula Vista CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Chula Vista'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 Chula Vista CA

  • Bahia Auto Sales, CA

  • Ernie’s Auto Sales Inc., CA

  • Carco Sales & Finance, CA

  • Mossy Nissan Chula Vista, CA

  • Carco Sales & Finance, CA

  • Have you ever considered buy here pay here Chula Vista CA car dealerships? If so, have you heard of them? There are many advantages to buying a car through a buy here pay here dealerships in Chula Vista CA compared to purchasing a vehicle through an individual or a private seller. The biggest difference between a Chula Vista buy here pay here dealerships and a typical local dealership is that with buy here pay here dealers, nearly everything goes through your local auto dealer directly. This means that the monthly bills are made to your local auto dealer, not through some bank or other outside lender, and that the actual financial contract for your car is between you and the dealer only, instead of a bank or other outside lender. Here we have listed best such dealers sorted by reviews rating and everything you need to know about. We have also created a complete profile of each dealer so you can get everything including of contact details at one place for your next car purchase.

    When a buyer needs to purchase a vehicle, they will need to approach the Chula Vista dealer with financing needs. The financing will depend on many things, including the amount of the down payment, the credit score of the buyer, and the income of the buyer in Chula Vista. Many people fail to take the time to do proper research when they are shopping for a vehicle. They either go with the first financing company that they see or end up getting sold a "bad credit borrower" vehicle.

  • Penske Honda Chula Vista, CA

  • Riviera’s Truck and Auto Group, CA

  • Auto Express, CA

  • Del Amo Motorsports of South Bay, CA

  • Toyota Chula Vista, CA

  • Did you know? These BHPH Chula Vista CA dealers are also good sources for full coverage vehicles. They will cover every repair and maintenance detail on a vehicle when the buyer makes a purchase here. This is because the vehicle's title will not have to be immediately released after the buy here pay here transaction. This ensures that the buyer will be fully protected in case of a repossession.

    The used-car buying experience is extremely easy when it comes to buying from a buy here pay here Chula Vista dealership. The financing will actually be handled directly by the lending institutions that finance many different kinds of auto loans. Therefore, the buyers will never even have to step foot into a dealership to get the job done. The financing will be offered to them at the comfort of their own residence. Buyers are never under any obligation whatsoever to purchase anything from this particular dealership. As long as they can afford the payments, they can choose to buy here pay here.

    Buy Here Pay Here vehicles are almost always sold with full coverage on the odometer. The dealer will add the actual retail cost of the car to the principal amount owed on the loan once it is sold. In many cases, the entire amount of the financed vehicle's retail price is covered by the lender, which means that the buyer will never have to worry about making any payments that fall outside of the monthly budget outlined for him or her. This includes making payments on fees and accrued interest. These types of financing transactions also allow buyers who need to drive a specific kind of car or model to get one that fits their budget.

  • Carco Sales & Finance, CA

  • Ford Chula Vista, CA

  • Value Cars Inc., CA

  • Kia Chula Vista, CA

  • Global Sales & Finance, CA

  • The phrase buy here pay here Chula Vista CA car lots might have been coined recently to draw in buyers who don't have a lot of extra money to spend on their cars. Chula Vista Buy here pay here car lots are those that do not require you to leave your home before you can buy your new car. These lots accept your payment in advance and usually give you a lot of time to shop around for the best deal. The reason these lots are so attractive is because you do not have to worry about financing your vehicle while at the same time still giving the dealer an opportunity to earn their fee. In order to make sure you are getting the right car, you want to be sure you are getting the best price possible.

  • Siry Auto Group, CA

  • Karz Plus, CA

  • Siry Auto Group, CA

  • Siry Auto Group, CA

  • Why buy here pay here Chula Vista 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 Chula Vista 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 Chula Vista 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 Chula Vista CA Works

    When the bank says no to your car loan, the buy here pay here Chula Vista 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 Chula Vista 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 Chula Vista 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 Chula Vista CA Car lots Dealership

    The one thing is very true about buy here pay here Chula Vista 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 Chula Vista 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 Chula Vista CA – Fast Approval Low or no credit score

    The buy here pay here Chula Vista 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 Chula Vista 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 Chula Vista 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 Chula Vista 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 Chula Vista 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 Chula Vista CA, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Chula Vista 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 Chula Vista 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.

    Chula Vista CA buy here pay here Reviews

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

    1. buy here pay here Chula Vista dealer review by Christian Franco Aguirre

      Christian Franco Aguirre rated Bahia Auto Sales

      We recently bought our second car at Bahia. Just like the first time, customer service was excellent. They promptly answered every question we had, never pressured us, and were always looking out for our best interests. Great selection, great customer service, great experience.

    2. buy here pay here Chula Vista dealer review by Erick Salinas

      Erick Salinas rated Bahia Auto Sales

      Juan who was the sales person to help me was very fast and honest. Any questions I had about the vehicle, Juan answered them. I would recommend this place.

    3. buy here pay here Chula Vista dealer review by Angelique Diaz

      Angelique Diaz rated Ernie’s Auto Sales Inc.

      Love my matrix that I got here ! So nice and caring ! Great deal too recommend everyone to come and get a amazing deal on a reliable car

    4. buy here pay here Chula Vista dealer review by richard valentin

      richard valentin rated Ernie’s Auto Sales Inc.

      Great place! Mario was a great help and we got a great deal! Truly honest and helpful. Dont hesitate to stop by and check out their deals!

    5. buy here pay here Chula Vista dealer review by Vernon Fulmer

      Vernon Fulmer rated Carco Sales & Finance

      If you want a vehicle without dealing with nonsense, this is the place. Go in and ask for Chris. From inception to completion, he made the car buying experience fast and got me the best deal. 10/10 would definitely recommend.

    6. buy here pay here Chula Vista dealer review by Gerardo Martinez

      Gerardo Martinez rated Carco Sales & Finance

      Drove the way from L.A to see them. jimmy and Chris are the best in there. They got me the best deal I can find in the So Cal, thanks guys!!

    7. buy here pay here Chula Vista dealer review by Andrew Jimenez

      Andrew Jimenez rated Mossy Nissan Chula Vista

      I had a great experience! Cesar went above and beyond for me. He gave me a very detailed discription of what's being done to my car. He also suggested to me some preventative measures to make my car last longer. Since I was a little tired. The waiting room was very comfortable. I felt a big difference in my car after I got it serviced. I will definitely come back again. Cesar thanks for everything!!

    8. buy here pay here Chula Vista dealer review by Ernie Hernandez

      Ernie Hernandez rated Mossy Nissan Chula Vista

      I just had the easiest car buying experience of my life! I found a 2011 Nissan LEAF online and called to ask about it. Mossy Nissan Chula Vista offered to bring the car to me! That has never happened before. Long story short, Luis Reategui and Ian brought me the car, it was exactly what I wanted, and we took care of all of the paperwork at my home. I never even had to leave the house! All of my interactions with the team were great - Kim, the GM, Abdul, the General Sales Manager as well as Luis and Ian were pleasant and efficient. I don't know if this is the new way of buying a car, but if it is, i like it!

    9. buy here pay here Chula Vista dealer review by Carson Hahn

      Carson Hahn rated Carco Sales & Finance

      Chris was very helpful when I bought my first car.

    10. buy here pay here Chula Vista dealer review by rene flores

      rene flores rated Carco Sales & Finance

      Professional people good prices !!!

    11. buy here pay here Chula Vista dealer review by tommy coward

      tommy coward rated Penske Honda Chula Vista

      Nice and easy! No BS! If you come in, talk to Roque he was excellent and had awesome customer service you can also tell he has great product knowledge. They were able to accommodate us and got us a great deal within our budget, highly recommended!

    12. buy here pay here Chula Vista dealer review by Jacinta C Edwards

      Jacinta C Edwards rated Penske Honda Chula Vista

      My first impression is the internet response in my interests about a Honda Hybrid 2019 -2020 from TIM GIANOTTI. First it was professional in his response adding a photo of the vehicle and the links describing the specifications of the car. I was truly impressed and then he added the price “my internet price for the vehicle” I actually was going to another dealer for Honda closer to us. I told my husband the internet response and we decided to go straight to where TIM is which is Penske Honda Chula Vista. Keep in mind this is my first new car purchase ever! Tim made me feel it is all about what I wanted. He truly focus on my needs and delivered!!! I saved money on the 2020 vehicle internet pricing!! Thank you Tim and my wonderful Husband Michael who help make this purchase happened. ?

    13. buy here pay here Chula Vista dealer review by Ishmael

      Ishmael rated Riviera’s Truck and Auto Group

      Satisfied customer. I bought a 2015 Honda Accord Sport with low miles. The price was negotiable. I drove about 105 miles to purchase this Honda. I had a few delays with the transferring registration, title, and inspections because the Honda had a salvage title. However, Claudia followed through with everything until everything was complete. She was very honest with the whole process. I have much love for this place. Also, Kevin was very helpful, and nice. I highly recommend.

    14. buy here pay here Chula Vista dealer review by Luke Donahue

      Luke Donahue rated Riviera’s Truck and Auto Group

      Bought a Kia Sorento last month at a great price, Jerry was superb to work with and quick to respond to any questions.

    15. buy here pay here Chula Vista dealer review by Redd Wavy

      Redd Wavy rated Auto Express

      Very helpfulness great experience . I was looking at an old mustang and my dream car was sitting in my face. I ended up getting my dream car a 2015 mustang. I’ve had my car for about a month with no problems. I recommend you come talk to these guys if you’re looking for a car.

    16. buy here pay here Chula Vista dealer review by Juan Pasaye

      Juan Pasaye rated Auto Express

      bought a car from them 1 week ago. started making horrible noise they made me wait 3 days to take it to them....took it and they fixed the noise and got my car back and in less than 24 hours i almost crashed because the brake pedal kept going all the way to the floor (the car won't stay still and the brake pedal will go all the way to the floor) brake light came on and now they want me to wait 2 more days before i take it back to them and meanwhile i gotta keep checking and making sure the car isn't rolling away. UPDATE : They came and picked up the car, Fixed it and brought it back. It has been a little more than a week now and so far so good! They have done everything to make sure my experience has been great. thank you Auto Express

    17. buy here pay here Chula Vista dealer review by Eric Loya

      Eric Loya rated Del Amo Motorsports of South Bay

      Very pleased with the whole staff. Specially Pablo and Ryan who made it posible to get the best deal on my new MT-07. Recommend them highly. I’ll definitely be coming back.

    18. buy here pay here Chula Vista dealer review by Patrick Daigle

      Patrick Daigle rated Del Amo Motorsports of South Bay

      The first motorcycle dealer I ran into who had transparent markups. Additionally their out the door price beat the lowest quote I received by 700 off the bat. Everyone was very helpful and they were able to get my desired bike to their location nearest me. I'd recommend this place and will be getting my next bike here as well.

    19. buy here pay here Chula Vista dealer review by Brian Pereyra Reviews

      Brian Pereyra Reviews rated Toyota Chula Vista

      A quick drive up into the dealership for having your Toyota serviced. Oil change fee is reasonable. Enjoy a free cup of coffee while you wait in the lobby which is passed the service counters. Vending machines available. Comfortable sofa chairs and a large television to watch the morning news. Stop by the auto accessory store if you're in need of a special item for your Toyota. I recommend booking your service appointment on their Toyota Chula Vista website before showing up!

    20. buy here pay here Chula Vista dealer review by Gabriela Delgado

      Gabriela Delgado rated Toyota Chula Vista

      I live in National City and I still go to Toyota in Chula Vista because of their great customer service, friendliness and efficiency, way more friendly than Frank Toyota advisors. Today I was helped by Sergio Espinoza and he made sure my visit was quick and efficient. I feel confident that they do not want to push me to pay for extra things with them, they are efficient and they seem to care! Totally recommend!

    21. buy here pay here Chula Vista dealer review by Kimberly Bryant

      Kimberly Bryant rated Carco Sales & Finance

      Jimmy hooked me up with the Prius I've always wanted! I came in, knew what I wanted, he took me right to it, showed me similar and better but respected my price cap. He was very patient and helpful, explaining all the ins and outs of buying a car through a dealer for the first time. The whole team was very friendly, informative and respectful. Highly recommend!

    22. buy here pay here Chula Vista dealer review by Karen Vazquez

      Karen Vazquez rated Carco Sales & Finance

      Great costumer service, they help you find the right car for you. They were really patient and helpful, I had no particular car in mind , they showed me a 2008 Acura MDX and I felt in love with the car. They gave me a great deal and I won't hesitate to go back and buy my next car.

    23. buy here pay here Chula Vista dealer review by LongShots22

      LongShots22 rated Ford Chula Vista

      Great communication throughout the entire process. Sales rep Fernando was awesome! They really worked to meet my needs.

    24. buy here pay here Chula Vista dealer review by Christina Mahon

      Christina Mahon rated Ford Chula Vista

      Awesome experience with Renee. We bought two Rangers from him. Super helpful and polite!

    25. buy here pay here Chula Vista dealer review by sara cubillas

      sara cubillas rated Value Cars Inc.

      Thank you so much Rene Lopez for providing the care and effort into getting a car that's right for me. I am a very picky person but he made sure I was taken care of. Offered every single option possible. Great customer service thank you again.I recommend rene if you're looking for trust and honesty and of course a great whip.

    26. buy here pay here Chula Vista dealer review by Abraham ramos

      Abraham ramos rated Value Cars Inc.

      Great customer service, I love the car new car I got (: so far everything is perfect.

    27. buy here pay here Chula Vista dealer review by Don Schaefer

      Don Schaefer rated Kia Chula Vista

      Ease of access to service facility. Prompt attention by service writer. Pleasant, I am here to help you attitude. Finished work on schedule. Having a shuttle service to downtown area guarantees my future business. The extra touch of washing my car when the service completed is very appreciated.

    28. buy here pay here Chula Vista dealer review by Walter Hussong III

      Walter Hussong III rated Global Sales & Finance

      It's the best place to buy a car, great prices

    29. buy here pay here Chula Vista dealer review by Andrea Garcia

      Andrea Garcia rated Global Sales & Finance

      Awesome customer service! I liked that I wasn't pressured by being followed around. Worked with my budget to get the car that I really wanted.

    30. buy here pay here Chula Vista dealer review by Judy Letostak

      Judy Letostak rated Siry Auto Group

      Great experience buying my Suburban. Very friendly sales staff that go the extra mile to make sure you get your car. Will use them again in the future.

    31. buy here pay here Chula Vista dealer review by abdullahi Ali

      abdullahi Ali rated Siry Auto Group

      I had the best experience with Kareem, I was so worried to go to a dealership, However, He made it so easy, Thank you Kareem and Thank you Siry Auto Group.

    32. buy here pay here Chula Vista dealer review by Athena gonzalez

      Athena gonzalez rated Karz Plus

      I came to purchase a vehicle a month ago. Adrianna helped me make my first purchase. I had been wanting to buy a Hyndia Tucson, for several months. Other dealer's I went to did not have the vehicle I wanted. Not only that but did not want to work me. Mind you all the other dealers that I went to where men. Adrianna understood me as a woman and a mother of 4, who needed a reliable car. I would give them 10 stars if I could. Thank you again Adrianna and Kars Plus for making my dream come true and owning the car I wanted.?

    33. buy here pay here Chula Vista dealer review by Charnel Welch

      Charnel Welch rated Karz Plus

      I don't know how to erase my last comment but there was miscommunication that resulted in me having a professional conversation with Eddie . He was down to earth , honest , and explained in depth how things worked and how I could get on track to be approved . I would also like to extend an apology to Eddie and co-workers on bringing out my frustration in an unprofessional manner , and would again like fo thank everyone for their patience . I look forward to working with this company in the next 2-3 weeks , and appreciate the transparency , and kindness extended to me .

    34. buy here pay here Chula Vista dealer review by Alma Ver

      Alma Ver rated Siry Auto Group

      The place was closed when I showed up but the staff that still there were really nice and give all the info needed in my auto quest..really helful good customer service..all other places just told me they are closed and ignored me.

    35. buy here pay here Chula Vista dealer review by connie moser

      connie moser rated Siry Auto Group

    36. buy here pay here Chula Vista dealer review by SandyCoco Guerrero

      SandyCoco Guerrero rated Siry Auto Group

      A good business to deal with; here is my story: My daughter just turned 18 years old and I was looking around to buy her a car. I had a few issues and I went to talk to someone at the dealership. I ended up meeting Kareem (sales-man)... and he was very helpful and very knowledgeable. He was also willing to work with me in regards to the financing. When I was ready to buy for my daughter ... I went back to Kareem. Everything he said he was willing to do.... he did it. And my daughter was very happy with their selection of cars and they had a car that she liked. Just like that... signed papers and my daughter was driving off in her sports VW for door cc. Because my daughter was egger to get into a car; we didn't have much time to delay the sale by doing a test drive or giving the car a look over. The first week we had the car... there were some very small minor details that needed to be taken care of. And I went back to the office and talked to Jesus. He was very accommodating and instantly took care of the small issues. What wonderful service! They care about their customers and I can say that's it's hard to find people to trust in this kind of business. Thank you Kareem and Jesus for making my daughters first car special! I will buying another car myself and I will be heading over to Siry Auto Group!

    37. buy here pay here Chula Vista dealer review by Juan Gtz

      Juan Gtz rated Siry Auto Group

      Thank you Juan for your service, recomended.

    BHPH Chula Vista CA dealer

    Hope you like our list of buy here pay here Chula Vista CA dealers. Do share it with your friends. Let us know your feedback, query or suggestion by contacting us from contact us page.