Top 16 Buy Here Pay Here Dealers in El Monte CA

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

Connect with top 16 buy here pay here El Monte CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of El Monte'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 Monte CA

  • Apollo Auto, CA

  • Community Motors Auto Sales Inc, CA

  • Longo Toyota, CA

  • Car Pros Honda El Monte, CA

  • Patriot Hyundai of El Monte, CA

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

  • E T Auto Sales Inc., CA

  • KMA Auto LLC, CA

  • Longo Lexus, CA

  • Vale Auto Sales, CA

  • La Auto Exchange 2 El Monte, CA

  • Did you know? These BHPH El Monte 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 Monte 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.

  • Ross Nissan Of El Monte, CA

  • CoCo Auto Sales, CA

  • Ganas Auto, CA

  • Forza Motors Inc., CA

  • M & M Cars, Trucks And Vans Inc., CA

  • The phrase buy here pay here El Monte 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 Monte 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.

  • M&K Auto Company, LLC, CA

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

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

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

    The buy here pay here El Monte 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 Monte 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 Monte 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 Monte 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 Monte 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 Monte 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 Monte 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 Monte 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 Monte CA buy here pay here Reviews

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

    1. buy here pay here El Monte dealer review by Themio Harmantzis

      Themio Harmantzis rated Apollo Auto

      Nice cars and good prices...

    2. buy here pay here El Monte dealer review by Matthew  Moreno

      Matthew Moreno rated Community Motors Auto Sales Inc

      Bryan was more than helpful. He helped me get into the vehicle I wanted with the right price!!

    3. buy here pay here El Monte dealer review by miss velazco

      miss velazco rated Community Motors Auto Sales Inc

      As a first time buyer I can honestly say that I had a great first time experience @ Community Motors Autos Sales! Brian was very helpful and sweet answering all my questions!! ? NOW I'm loving my new ride. Lol. I totally recommend this car dealer.

    4. buy here pay here El Monte dealer review by Suzanne Francis

      Suzanne Francis rated Longo Toyota

      My buying experience is there have always been great except for the time it takes for the whole process I can’t deduct stars because that is necessary negotiating the best deal. Was able to get into a car that I’m happy with considering it’s been less than a year since I bought my other new vehicle with them. I was surprised at the level of help and willingness to work with me and compassion for my situation. I’ve had 3 salesman there I still remember them all by name and I was happy with all 3!

    5. buy here pay here El Monte dealer review by Jessica Padilla

      Jessica Padilla rated Longo Toyota

      Today we worked with the best sales associate you can imagine! If you head in to Longo Toyota please ask for John Baldonado he has the best customer service anyone can ask for. As soon as we walked through the door he was courteous and understood our needs and what we were looking for. We bought got a new highlander and he was very knowledgeable with all the features and answered all of our questions. Once it came to purchasing agreement he was fast and efficient and was able to get us into the exact car that we wanted! He was diligent in meeting our financial expectations and we were only here for two hours! Amazing customer service, efficient, and fast? What more can you ask from a dealership, they are certainly the best!

    6. buy here pay here El Monte dealer review by Joseph Whetsel

      Joseph Whetsel rated Car Pros Honda El Monte

      Same review posted on Yelp, just wanted to make sure these guys got all the credit. This review is long overdue, but we were impressed from the moment my wife and I walked in the door. My wife was looking for a gently used Honda Civic, one with low miles, a good price and in blue (the color being the most important for my wife). We found exactly what we wanted at Car Pros Honda El Monte. From the first phone call with Jesus, then to the dealership with Mark, to Alberto, to Sergio, everyone was genuinely nice, professional, courteous and treated us like family. We truly enjoyed meeting and talking with everyone. We could not have asked for a better car buying experience! Even after the sale when we needed some additional accessories, the service was excellent!

    7. buy here pay here El Monte dealer review by Kevin Gaither

      Kevin Gaither rated Car Pros Honda El Monte

      Alma was awesome. She's the most knowledgeable of all the Honda salespeople I've met so far.

    8. buy here pay here El Monte dealer review by april ramirez

      april ramirez rated Patriot Hyundai of El Monte

      I don't take my car nowhere else. Patriot Hyundai has the best sevice department. Oscar, who helped me twice, was awesome! Especially going through a pandemic, he was able to get my car done within 2 hours. Thanks to the mechanics as well.

    9. buy here pay here El Monte dealer review by Sergio Calabrese

      Sergio Calabrese rated Patriot Hyundai of El Monte

      Excellent service, super professional, fair price, really interested in meeting customers' expectations and solving any eventual problem. Oscar, in particular, is very friendly and available for any clarification and support, even after the office hours...remarkable. My car had an engine failure, everything solved with a complete replacement in few weeks, covered by warranty and with a beautiful rented car offered in the meanwhile. Simply excellent. Definetely 5 stars

    10. buy here pay here El Monte dealer review by Asami Chan

      Asami Chan rated E T Auto Sales Inc.

      Great people who go the extra mile to help out. Highly recommended

    11. buy here pay here El Monte dealer review by Gary Swanson

      Gary Swanson rated E T Auto Sales Inc.

      Emilio is fantastic! He will take care of you.

    12. buy here pay here El Monte dealer review by Liana Ortiz

      Liana Ortiz rated KMA Auto LLC

      5 STARS!!! Excellent deals!!! Amazing customer service!!! Erika and her team offer a great selection of quality used vehicles at discount prices. Erika and Gladys helped me get the best deal on my brand new (to me) Toyota Highlander. I am very happy with the way they prioritize making sure that their customers are extremely happy with their car buying experience from beginning to end. Their associates are very knowledgeable and answered all of my questions. If you are looking for a used car, you won't find a better deal or sales experience than here.

    13. buy here pay here El Monte dealer review by jorge resendiz

      jorge resendiz rated KMA Auto LLC

      Good prices,very nice people!!! :)

    14. buy here pay here El Monte dealer review by Rosalind Charles

      Rosalind Charles rated Longo Lexus

      Super excellent service today Man Wong handled my 60,000 miles checkup as well as an install on my right side mirror I broke.. shout out to Chris in parts who emailed Man and ordered the part . . I was out in what seemed like a flash. I know Man and his tech were very thorough with my service. I could go to the dealer closes to my home ....Man is great, thank you Longo

    15. buy here pay here El Monte dealer review by Thuy Chieu

      Thuy Chieu rated Longo Lexus

      I brought my Lexus RX 350 for maintain service and got help by Ricardo, he also help me for my rental car bc mine got recall. He very sweet and professional. Thanks Ricardo and Longo service team! Highly recommend service from here!

    16. buy here pay here El Monte dealer review by Gary Swanson

      Gary Swanson rated Vale Auto Sales

      Get a great deal here! In El Monte for years.

    17. buy here pay here El Monte dealer review by Fernando Marquez

      Fernando Marquez rated Vale Auto Sales

      Ask for Mario works with you and will help you get into your dream ?

    18. buy here pay here El Monte dealer review by Alberto Juarez

      Alberto Juarez rated La Auto Exchange 2 El Monte

      I just got my 2017 Honda Civic for a very good deal!!! Anthony was very straight forward and extremely helpful, as I continued to listen to what he had to say, 1 was more and more convinced not to mention the insane good interest he got me!!! I owe that guy a beer he deserves it LA Auto is very good and i highly recommend it!!!!

    19. buy here pay here El Monte dealer review by King Carlos

      King Carlos rated La Auto Exchange 2 El Monte

      Very pleased with the service this dealer had to offer. Checked out other dealers in the area prior to this one and la auto exchange EL MONTE blew them away. The salesman Chris was really helpful and got me the best deal. Highly recommend checking them out! 10 stars!

    20. buy here pay here El Monte dealer review by Ana Cordero

      Ana Cordero rated Ross Nissan Of El Monte

      Great experience I had with customer service representative Irving Green very knowledgeable and very pleasant to talk to. He went above and beyond to make my waiting for my car to be serviced safe and pleasant. Thank you very much Irving. Great customer service I ever received. Great service very satisfied

    21. buy here pay here El Monte dealer review by M M Salazar

      M M Salazar rated Ross Nissan Of El Monte

      We've purchased 2 vehicles here in the past but yesterday was a different experience. Everybody @ ROSS Nissan are very very nice !!! They helped us out a lot - no matter what your financial & credit situation are. They are all very professional, kind & happy people. I know that they get very busy on weekends so just work with them & bring extra patience. We were lucky to come on a Thursday & got everybody's attention. Big shout out to JORGE, JONA, MARK, FELIPE & the other Manager (i forgot his name). Go to ROSS Nissan. These people will be more than happy to serve you & put you in a car you will love forever. Thank you guys & to my popcorn lady ?

    22. buy here pay here El Monte dealer review by Crystal Young

      Crystal Young rated CoCo Auto Sales

      Friendly, professional. They offer 30 days, and promise to fix it if anything goes wrong. After we selected the car, with a $200 down to hold it they sent it to their mechanic to be sure it was in tip top shape, we will pay half, and make payments for the other half for 8 months. No credit check. They will deliver car next day to my sons work.

    23. buy here pay here El Monte dealer review by Chris Espana

      Chris Espana rated CoCo Auto Sales

      Love to get my cars here down to earth people wont do u wrong and if anything goes wrong they will help u fix the problem

    24. buy here pay here El Monte dealer review by Le Rone Moore

      Le Rone Moore rated Ganas Auto

      This was a great experience all the way around from William to eL patron' ...his direct honesty with genuine knowledge made the experience all the more better..a big THANKS TO GANAS.

    25. buy here pay here El Monte dealer review by Daniel Ventura

      Daniel Ventura rated Ganas Auto

      I actually bought my car at inglewood, there was some mechanical issues with it and they helped me and fixed it no problem. But Mr. Cobarrubias the mgr at mechanics here at el monte went beyond costumer service, Other than trying to fix it same day ( but due to part availability, it wasnt) he found me a loaner car and even tht he looked for someone to drive me to inglewood to get the loaned car. Even after he was told that there was noone to drive me over there. But he managed to not only fix my car but to get a loan, and a ride to get it. He really deserves more than just 5 stars. Thank you Oscar cobarrubias

    26. buy here pay here El Monte dealer review by Eric Beavers

      Eric Beavers rated Forza Motors Inc.

      I was in the market for a used Dodge Challenger (Hemi Orange-RT edition). This place happened to pop up on my Auto trader alerts so I paid them a visit for a test drive. I was assisted by Aaron and Juan throughout the process. The test drive went well and I didn't feel pressured to hurry up or take the "set route" most dealers require. They were open to my request to have the car inspected by a Dodge Mechanic (one of the cleanest cars that mechanic had seen, by the way). Finally, they assisted me in finding the best financing options available. I honestly feel like a got a great car and a great deal. I've had the car now for 3 months and had no issues, only fun and lots of compliments.

    27. buy here pay here El Monte dealer review by xEndlessXadrenalineX JM

      xEndlessXadrenalineX JM rated Forza Motors Inc.

      Theyre pretty awesome people!!!! I highly recommend anyone to get their cars on here, great and fast service, friendly salesmen and will help you in any kind of situation! Thanks for the mini cooper, im loving it!

    28. buy here pay here El Monte dealer review by Michael Jimenez

      Michael Jimenez rated M & M Cars, Trucks And Vans Inc.

      I wanted a used truck or SUV under $8000. So I went to M & M cars. That dealership has been there for years and always has nice looking cars on the lot. I wasn't disappointed and found what I was looking for at a good price. The only problem, my work buddy gave me a better deal on one of his cars.

    29. buy here pay here El Monte dealer review by Penny Randall

      Penny Randall rated M & M Cars, Trucks And Vans Inc.

      I do not know what all the complaining is about. I bought my car with no problems. Everyone was very nice and the process went off without a hitch. I think people just love to complain on social media. Those of us who have a good experience do not think to write a review.

    BHPH El Monte CA dealer

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