Top 7 Buy Here Pay Here Dealers in Costa Mesa CA

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

Connect with top 7 buy here pay here Costa Mesa CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Costa Mesa'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 Costa Mesa CA

  • High Line Motors LLC, CA

  • iDeal Motors / Used Car Sales, CA

  • Orange Coast Chrysler Jeep Dodge Ram Fiat, CA

  • Suburban Buick GMC of Costa Mesa, CA

  • Nissan of Costa Mesa, CA

  • Have you ever considered buy here pay here Costa Mesa 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 Costa Mesa CA compared to purchasing a vehicle through an individual or a private seller. The biggest difference between a Costa Mesa 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 Costa Mesa 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 Costa Mesa. 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.

  • Hertz Car Sales Costa Mesa, CA

  • SC Car Zone, CA

  • Why buy here pay here Costa Mesa 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 Costa Mesa 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 Costa Mesa 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 Costa Mesa CA Works

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

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

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

    While buy here pay here Costa Mesa 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 Costa Mesa 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.

    Costa Mesa CA buy here pay here Reviews

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

    1. buy here pay here Costa Mesa dealer review by Ekaterina Vlasova

      Ekaterina Vlasova rated High Line Motors LLC

      Best car buying experience I've ever had. Simple and transparent. Worked with us on payments and was never pushy or unfair in anyway. Will be coming back and recommending.

    2. buy here pay here Costa Mesa dealer review by Janet Shirak

      Janet Shirak rated High Line Motors LLC

      They have excellent cars.clean with reasonable price. They are honest, polite and professional. Ray is an Engineer and he knows a lot about cars. Highly recommended

    3. buy here pay here Costa Mesa dealer review by Luis Salinas

      Luis Salinas rated iDeal Motors / Used Car Sales

      This was truly the best experience we have ever had in buying a vehicle. I was a bit worried on ordering a vehicle from another state, but Eli made the transaction so comfortable that we could not help but take the chance. He was very nice and very professional. He took the time to FaceTime with me and my wife to go over every square inch of the car. He made sure to point out any imperfections, even though there were barely any! We worked the deal and had our Model S in just a few days. Thank you Eli, I am sure you'll be hearing from us again!

    4. buy here pay here Costa Mesa dealer review by Joel Sandoval

      Joel Sandoval rated iDeal Motors / Used Car Sales

      Wow! The nicest people ever. Our experience here with iDeal Motors was the best experience we ever had, when buying a car at a car dealer. They are very honest, caring and very warm fellows. My wife and I appreciated that. Best family business I have ever seen. Rod was very cool and very honest from the get go without of doubt, very patient with us. Zed is a very nice guy, hands down, very efficient and fast with the filing transaction of paperwork, you will be out there in no time. Ali is just an awesome guy very caring and very honest as well, he helped us to finished all the temporary plates and stickers for our car, had to give the guy a hug at the end, couldn't help it lol. Overall they made us feel like one of their own and that is an awesome felling. I couldn't appreciate more. We will recommend them 100% to family and friends. : )

    5. buy here pay here Costa Mesa dealer review by Jrog2020 .

      Jrog2020 . rated Orange Coast Chrysler Jeep Dodge Ram Fiat

      Picked-up my new Jeep Gladiator few weeks ago and its been an awesome ride so far! Max and team came recommended from a friend, which I am happy about. The buying process was smooth, efficient, and transparent. I included a few modifications from the guys next door and will give them a shout out as well.

    6. buy here pay here Costa Mesa dealer review by Marcel Szabo

      Marcel Szabo rated Orange Coast Chrysler Jeep Dodge Ram Fiat

      I chose to buy my vehicle from home, best experience yet. I was able to text my information including my trade from my living room and received a call back with in a couple hours with a fair trade in and great purchase price. I scheduled delivery over the phone and they drove new vehicle to my house, I signed paperwork in my house while sales man waited outside, then handed him paper work and keys to my trade. The whole exchange took 15 minutes, it was great. This is the second vehicle I have purchased from Orange Coast and glad I did! Love my truck! Thanks, Marcel

    7. buy here pay here Costa Mesa dealer review by Timothy Lee

      Timothy Lee rated Suburban Buick GMC of Costa Mesa

      Just purchased a brand new GMC Sierra and was very pleased with the experience. Everyone there made sure I had a easy buying experience especially with COVID 19 going on. I called in and they had the truck ready to view for my appointment. After the test drive we were able to agree to a deal in just minutes! Definitely will be recommending this dealership to all friends and family!!

    8. buy here pay here Costa Mesa dealer review by max fernandez

      max fernandez rated Suburban Buick GMC of Costa Mesa

      I dealt with Jay Photoglou, he is The Best Salesman I've dealt with! He offers the Best deals of all Time! Thanks Jay!

    9. buy here pay here Costa Mesa dealer review by Kimberly Baez

      Kimberly Baez rated Nissan of Costa Mesa

      Definitely a great experience. Everyone there was very welcoming and made sure we were either being assisted or needed anything. A big thank you to Brian and Darris who made the experience a success. For being a first time buyer, they made sure I knew everything I needed to know. My boyfriend and I left feeling great about our new car and couldn’t be more thankful for both of their great services.

    10. buy here pay here Costa Mesa dealer review by Jerry Toledo

      Jerry Toledo rated Nissan of Costa Mesa

      Routine service is quick and free car wash.

    11. buy here pay here Costa Mesa dealer review by Jack Liu

      Jack Liu rated Hertz Car Sales Costa Mesa

      I purchased a 2018 Nissan Altima SL in early July from Hertz Car Sales in Costa Mesa. I am very happy with the experiences in process and completely satisfied with the car I purchased. Salesman Javier was professional, courteous, and timely in communications. As a result of friendly efforts from Javier and the manager Michael, I have actually bought an one-year old $32,000 luxury car which looks like 98% new and runs like new for literally half of the new car price. This has become my best car shopping experience in 29 years. Prior to come to this dealership, I had looked around for a month focusing on dealerships with perfect review scores. After all, I have to say that this Hertz Car Sales at Costa Mesa is the best one compared to others I visited. Their cars are generally better at the comparable price. Thanks Javier and Michael.

    12. buy here pay here Costa Mesa dealer review by Ellen Wells

      Ellen Wells rated Hertz Car Sales Costa Mesa

      What an incredible car-buying experience at Herz Car Sales Costa Mesa. Thank you so much, especially Javier and Bryan for the time and patience extended to me and my daughter, who recently purchased her car from your lot! We were expecting a long drawn-out stressful experience, but it was so the opposite and we are grateful we came to you as our first stop. We didn't need to go anywhere else. From test drive to finance options to purchase--all went much smoother than expected. I'll be sure to send friends and family your way when they are looking to get a car.

    13. buy here pay here Costa Mesa dealer review by Carina Capers

      Carina Capers rated SC Car Zone

      Lucas and everyone there was Top Notch! The process was faster than other car dealers I've visited, the price for my 2018 Q50 was reasonably priced with low miles. I was truly happy to work with Lucas. He was very knowledgeable and personable. I was truly impressed with the service and would highly recommend this dealership.

    14. buy here pay here Costa Mesa dealer review by Serina Hernandez

      Serina Hernandez rated SC Car Zone

      Sc car zone is by far the best car dealership out there! I got referred by Mario, and Jay was such a great help, Frank was so nice and is very welcoming. The one thing I valued most about this company is that they never gave up. They will try and try till they meet your needs. Overall amazing service and I would totally recommend buying from SC car zone. I would give this 100 stars if I could!

    BHPH Costa Mesa CA dealer

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