Top 17 Buy Here Pay Here Dealers in El Cajon CA

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

Connect with top 17 buy here pay here El Cajon CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of El Cajon'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 El Cajon CA

  • Alsa Auto Sales, CA

  • Paykan Auto Sales Inc., CA

  • New 2 You Autos, CA

  • CBM Motors, CA

  • Auto City, CA

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

  • City Cars, CA

  • Top cars auto sale inc, CA

  • Honda of El Cajon Superstore, CA

  • Toyota of El Cajon, CA

  • Mercedes-Benz of El Cajon, CA

  • Did you know? These BHPH El Cajon 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 El Cajon 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.

  • East County Pre-Owned Superstore, CA

  • Legacy Cars, CA

  • BMW of El Cajon, CA

  • Team Kia of El Cajon, CA

  • Team Mazda of El Cajon, CA

  • The phrase buy here pay here El Cajon 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. El Cajon 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.

  • Tiger Auto Sales, CA

  • Mikes Wholesale Inc, CA

  • Why buy here pay here El Cajon 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 El Cajon 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 El Cajon 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 El Cajon CA Works

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

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

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

    While buy here pay here El Cajon 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 El Cajon 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.

    El Cajon CA buy here pay here Reviews

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

    1. buy here pay here El Cajon dealer review by Rahmatullah Rezae

      Rahmatullah Rezae rated Alsa Auto Sales

      Most helpful guy and best customer service

    2. buy here pay here El Cajon dealer review by Mojtaba Soltani

      Mojtaba Soltani rated Alsa Auto Sales

      Not one of the best car dealership but the best car dealership around.

    3. buy here pay here El Cajon dealer review by Marquavious Jackson

      Marquavious Jackson rated Paykan Auto Sales Inc.

      Thanks to Hardi, For providing me with a safe and relievable car. He defiantly went above and beyond for me. He made sure everything was taken care of. He's one in a million willing to do the right thing. I just wanted to take some time to say. Thank You for everything and May God Bless You! Paykan Auto Sales Inc... Is the perfect place to get you a nice sweet ride! From Ms.Neal in Georgia!

    4. buy here pay here El Cajon dealer review by Apolos de la Garza

      Apolos de la Garza rated Paykan Auto Sales Inc.

      I would give more stars if possible. Hadi is the most ethical and honest car dealer I've ever dealt with. He truly cares about people. I purchased a car for my son from him but it turned out to have some trouble. He did not hesitate to take it back and was very understanding of the situation. I will definitely purchase from him again. Highly recommend him for his honest and ethical business practice.

    5. buy here pay here El Cajon dealer review by Amber Hultquist

      Amber Hultquist rated New 2 You Autos

      I stopped in to New 2 You to look at a car I had been watching online. As soon as I seen it I knew I had to have it! The staff was so helpful and the whole process went extremely smooth! And fast! I definitely recommend New 2 You for a nice, clean, and great priced vehicle!

    6. buy here pay here El Cajon dealer review by D Wood

      D Wood rated New 2 You Autos

      Really good dealership. Family owned business. Great people that do what they can to meet your buying needs. We bought our C-Class with no hiccups. Good experience.

    7. buy here pay here El Cajon dealer review by Chloe Havens

      Chloe Havens rated CBM Motors

      CBM Motors went above & beyond to make sure we had a great experience with them. The owner, Ceaser & all their staff is amazing. They take care of their customers & I can’t recommend them enough. I will definitely be a returning customer in the future.

    8. buy here pay here El Cajon dealer review by Tiffany Gillis

      Tiffany Gillis rated CBM Motors

      Thank you for my FJ Cruiser. You were all amazing and helpful with my trade in where other dealers werent. Happy Holidays!

    9. buy here pay here El Cajon dealer review by Hector Granados

      Hector Granados rated Auto City

      Overall the car buying experience was better than most. They let you take your time looking and test driving the car. The best part is they let you drive it on your own; you pick the route. Chris S. was our sales advisor who answered every question we had.

    10. buy here pay here El Cajon dealer review by Terry Bowen

      Terry Bowen rated Auto City

      Great cars people and service.. thank you alfred.

    11. buy here pay here El Cajon dealer review by Donovan Lovato

      Donovan Lovato rated City Cars

      city cars is awesome. Mike and Ruth are very knowledgeable and have a great attitude. My father was looking for a dependable vehicle for work. they had us in and out faster than any dealership we have been to. i will recommend city cars to anybody looking for a dependable car in great shape!! two thumbs up!!!

    12. buy here pay here El Cajon dealer review by Lucero Franco

      Lucero Franco rated City Cars

      its a MUST to go place to buy your new car!!!! The staff there are Very helpful, attentive, considerate and most of all Friendly!!! :) at first I was having doubts if I would even get considered to get my own car, but Ruth (the financial specialist) helped me out so much, it almost made it unbelievable that I was able to get my car. I loved their service and my new car!!! Thank you :)

    13. buy here pay here El Cajon dealer review by Tima Perez

      Tima Perez rated Top cars auto sale inc

      Very welcoming and nice customer service. This was the most stress free and honest straight forward place you can buy a car at! No joke I bought a new car at another dealership and by far this was a better experience.

    14. buy here pay here El Cajon dealer review by Alexandre Desgrousilliers

      Alexandre Desgrousilliers rated Top cars auto sale inc

      Awesome place! Excellent service and very friendly staff. Love my mustang I bought here, wouldn’t trade it for the world. 10/10

    15. buy here pay here El Cajon dealer review by arlena reed

      arlena reed rated Honda of El Cajon Superstore

      So far my experience has been great. Raul is super nice and has walked me through all my questions. Was able to get a great price and great APR. Will update if things don't go good in the future.

    16. buy here pay here El Cajon dealer review by Aly Dickinson

      Aly Dickinson rated Honda of El Cajon Superstore

      We love this Honda dealership! We're generally able to skip much haggling and just quickly get to a reasonable price. They're straightforward and honest and make us feel comfortable with our lease/purchases. Most recently we had an excellent experience with Ernie who made a strong effort to make our visit quick, per my request, but still give us a great experience! This was our 4th car from them and we'll continue to go back! Thanks!

    17. buy here pay here El Cajon dealer review by William Kohr

      William Kohr rated Toyota of El Cajon

      The purchase of a 2020 Toyota Prius hybrid from Toyota of El Cajon was truly a pleasure. The sales staff was very professional and focused on ensuring I was well informed about the purchase. They didn't have the exact car I wanted on the at the dealership and went to great lengths to locate and transfer my car to the dealership, keeping me informed on a daily basis. Toyota of El Cajon is the most professional dealership I have dealt with over many years of car purchases. ...They're also very friendly and low key.

    18. buy here pay here El Cajon dealer review by Bryan S.

      Bryan S. rated Toyota of El Cajon

      Wow, is the best way to describe Toyota of El Cajon!! Lived in San Diego forever and this is a great dealership!! Starting with the owners, they are the best!! Sales Department are straight shooters!! No lies or bait and switch or false promises!! The employees are happy and upbeat!! Great service department too!! We've had new cars before from this dealership!! They know how to treat people! I got the new Camry and 2 months later got Eva her dream car!! I would highly recommend Toyota of El Cajon and would if I could give them 10 stars!!!!!!!!!!!!

    19. buy here pay here El Cajon dealer review by Sarah Macdonald

      Sarah Macdonald rated Mercedes-Benz of El Cajon

      KC and Marcelo were very accommodating and patient with me during my experience at Mercedes in El Cajon. This is my first time purchasing a luxury vehicle and am very happy with my purchase. Can't wait to come back for the next one. Thank you KC and Marcelo for all of your patience and for working with me Sarah : )

    20. buy here pay here El Cajon dealer review by Ed Oro

      Ed Oro rated Mercedes-Benz of El Cajon

      I was happy to meet Michael . On service he take care of my car after change oil and then wash my car. the service it was great. also Michael he was excellent with me I will recommend their service to everyone and Michael he was really generous with me awesome job???

    21. buy here pay here El Cajon dealer review by TheChrisEckfeldt .

      TheChrisEckfeldt . rated East County Pre-Owned Superstore

      We bought a car with a specific and hard-to-find color combination from here spontaneously and on a very tight schedule and were in and out of there within an hour. That being said, we are very happy with our purchase process there. There were 3 aftermarket products that were included in the contract that I was not aware of, but being that I had to pick up my daughter at the San Diego Airport, I signed everything so quickly with Jeanne in the finance department. The next morning I saw these 3 charges for $895 each, totaling $2685, and I was obviously not alright with them being included. Jeanne was very honest about everything it took for the process to get those charges accounted for. We waited about 1 month for the $2685 to reflect as payment on our auto finance loan, after which I paid the loan off. I have to give Jeanne in their finance department a HUGE compliment for her integrity and honesty. I can only suggest that any customer be patient that has any problem with their purchase here... especially if Jeanne is involved in the financing and payment of your car. Thanks again Jeanne!!

    22. buy here pay here El Cajon dealer review by Janna McCowan

      Janna McCowan rated East County Pre-Owned Superstore

      Purchased an initial SUV through them in 2016, the process was very efficient and their transparency with financing and back end fees was second to none. Traded in this vehicle today for a Hummer H3. Same smooth process. We met Jesus and Omar at the Qualcomm tent sale. The smell of finance and tacos was rich in the air, we were in and out efficiently. Highly recommend.

    23. buy here pay here El Cajon dealer review by Michelle Maxcy

      Michelle Maxcy rated Legacy Cars

      Lloyd was awesome in helping us purchase a vehicle. We were stressed out about having to replace a vehicle after an accident and weren't have any luck finding something we could fit in our budget. Lloyd and Legacy auto relieved us of any stress and made the whole experience quite enjoyable. We will highly recommend Legacy to all our friends and family. Great job Legacy, we are very happy!

    24. buy here pay here El Cajon dealer review by Jesus Covarrubias

      Jesus Covarrubias rated Legacy Cars

      We bought our first pick up truck & thanks to Omar and Lloyd our experience was pleasant and excited! Legacy cars remain one of the few used car lots that truly want you to walk away accomplished and happy with your buy. Excellent vehicles selection.

    25. buy here pay here El Cajon dealer review by Nicholle Mendoza

      Nicholle Mendoza rated BMW of El Cajon

      So I decided to go to BMW of El Cajon for the first time after long years of dedication to BMW of San Diego. Well, I was not disappointed. My BMW 328i 2008 needed lots of repair. You know us girls, we wait too long. Kudos to service advisor David and staff. He was professional, courteous, and well informative. I look forward to my next service visit at BMW of El Cajon. Thank you for taking care of me and my 3 series.

    26. buy here pay here El Cajon dealer review by Jamal Reynolds

      Jamal Reynolds rated BMW of El Cajon

      5 star service from Ryan Martin and the team. Want a quality vehicle go see them first. I was telling Ryan a story of when I was in the Marine Corp and he went and got me a military discount. Thanks Ryan and the whole BMW team.

    27. buy here pay here El Cajon dealer review by Kiimon Kennedy

      Kiimon Kennedy rated Team Kia of El Cajon

      I recently bought a used 2013 Kia optima, and took it to get it checked for recalls Friday 1/31/2020, the car ended up needing a software update so I scheduled an appointment for 2/7/2020 (Today). When I showed up to the appointment I was an hour early and the waiting area was full customers waiting for their vehicles to be serviced, but the person helping me reassured me that they will get me in and out less than an hour, and as promised i was out in 55 minutes and on top of that they washed my car. Everyone was so friendly, warm and helpful they had popcorn coffee water comfortable seating, and I was extremely Satisfied with this experience way better than my previous experience with Nissan and Hyundai. I really want to Thank Team Kia for their outstanding service and efforts to make their customers feel comfortable and secured in their decisions in joining the Kia Family thank you and keep up the amazing work!!!

    28. buy here pay here El Cajon dealer review by Artemis Black

      Artemis Black rated Team Kia of El Cajon

      I went in to get my 18 Mazda 6 serviced. As always Sol and the rest of the staff provided amazing service! They are quick, efficient, and always friendly! They are definitely changing my negative mindset about dealership service departments. I would not only recommend people switching to Mazda but also recommending they schedule their regular auto services through Team Mazda of El Cajon! Another shoutout to Sol and the rest of the service team at Team Mazda of El Cajon

    29. buy here pay here El Cajon dealer review by David Nonya

      David Nonya rated Team Mazda of El Cajon

      Go see Wes. No pressure sales and a straight up good guy. I had below optimal credit and was able to drive away in a brand new Mazda3. Beyond happy!

    30. buy here pay here El Cajon dealer review by Blarg

      Blarg rated Team Mazda of El Cajon

      Programmed my Mazda key for $72 - much better than their competitors. The customer service was great - washed my car and had plush seating in a clean lobby until it was ready. Also, they gave me the option to refuse the complimentary wash to take off early.

    31. buy here pay here El Cajon dealer review by Lawrence Parra

      Lawrence Parra rated Tiger Auto Sales

      Just walk by most days (from UStax Storage next door) Sales team are cool and personable. When we're ready to buy after my Christmas bonus check, we're definitely gonna check this place out. My fiance, (soon 2B Amanda Parra, wants their Black 4X4 Jeep Wrangler w/Removable Hard-Top.

    32. buy here pay here El Cajon dealer review by Anthony Tredo

      Anthony Tredo rated Tiger Auto Sales

      I have had great experiences buying cars here. Not only for myself, but for family as well. Staff is always outgoing and very helpful and willing to help. Patient and professional also kind and considerate. Will recommend this place to all family and friends.

    33. buy here pay here El Cajon dealer review by Eric Karimi

      Eric Karimi rated Mikes Wholesale Inc

      I bought my 2006 sprinter from this people and it was very pleasant experience. they were very helpful and friendly. I am happy with their customer service and support.

    BHPH El Cajon CA dealer

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