Top 18 Buy Here Pay Here Dealers in Escondido CA

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

Connect with top 18 buy here pay here Escondido CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Escondido'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 Escondido CA

  • Quantum Auto Sales, Inc., CA

  • Acura of Escondido, CA

  • Toyota Escondido, CA

  • MINI of Escondido, CA

  • Mercedes-Benz of Escondido, CA

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

  • The Kar Place, CA

  • Bloom Auto Sales, CA

  • Escondido Auto Super Center, CA

  • Mazda of Escondido, CA

  • Centre City Motors, CA

  • Did you know? These BHPH Escondido 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 Escondido 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.

  • Honda of Escondido, CA

  • BMW of Escondido, CA

  • Volvo Cars Escondido, CA

  • North County Kia, CA

  • Auto Advantage, CA

  • The phrase buy here pay here Escondido 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. Escondido 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.

  • Geiman Motors, CA

  • Jack Powell Chrysler Dodge Jeep Ram, CA

  • Baldwin Auto Sales, CA

  • Why buy here pay here Escondido 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 Escondido 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 Escondido 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 Escondido CA Works

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

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

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

    While buy here pay here Escondido 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 Escondido 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.

    Escondido CA buy here pay here Reviews

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

    1. buy here pay here Escondido dealer review by Rob B

      Rob B rated Quantum Auto Sales, Inc.

      I highly recommend this dealership. I went to Quantum to look at a Cadillac I saw on their website. The car was at their Anaheim location so Mike had one of his guys drive to Anaheim and bring the Caddy back for me to test drive. It looked and drove great. Mike didn't pressure me or use typical sales tactics. He was easy to work with and gave me a great deal on the Caddy.

    2. buy here pay here Escondido dealer review by Gaby Bailon

      Gaby Bailon rated Quantum Auto Sales, Inc.

      Such GREAT!!! Service and GREAT Customer Service Your employee Alex Ayala is such a sweet heart. He listen to my concern of getting a car and he had all the answers to my questions such a nice young man. I would definitely recommend my friends that are looking for a car to go there and to definitely ask for Alex. Kk

    3. buy here pay here Escondido dealer review by Gustavo Arana

      Gustavo Arana rated Acura of Escondido

      Went to go check out a vehicle and the customer service was great. All three people that helped me out thumbs up. I would gladly recommend them to other people. Thanks again, love my car!!!

    4. buy here pay here Escondido dealer review by Lou G

      Lou G rated Acura of Escondido

      This is our 5th car we bought from Acura is Escondido and I must say the best car buying experience thus far! They didn’t have what we wanted in stock so Chris the GSM made some calls and we were driving home in our 19 TLX! Great customer service! Alex was our salesperson and he was delight to deal with, no high pressure tactics what so ever and the same for Glenn in finance. Thanks guy and see ya soon for #6!

    5. buy here pay here Escondido dealer review by Fatima Valadez-ramirez

      Fatima Valadez-ramirez rated Toyota Escondido

      Awesome Staff! My Family and I went in to purchase a brand new car early this month. Hector Hernandez and his manager were of great help with getting me to decide on what fits my everyday needs in terms of transportation as well as my likings in car styles, models, and features! They were also extremely helpful in making the price affordable for us and giving us the best of deals!!! Hector was especially helpful with his knowledge of the car and all it’s great features making me LOVE the decision I made. I would definitely recommend his services.

    6. buy here pay here Escondido dealer review by Daisy T

      Daisy T rated Toyota Escondido

      Toyota if Escondido has always been great to me! Today was not an exception! I went to get a recall that DMV required me to get and they made my appointment the next day. I went in and Javier was very nice helped me right away and although this was going to take 3-4 hours I didn’t mind because they have a shuttle that will take you were you need to go! Thank you for your great service!

    7. buy here pay here Escondido dealer review by Christopher Sutton

      Christopher Sutton rated MINI of Escondido

      Brandon continues to take such good care of us and our Cooper. He is one of the main reasons we come back to Mini vs going to a local repair facility. Great service, great communication and friendly, personable staff - everything I look for I a dealership.

    8. buy here pay here Escondido dealer review by Mike Gray

      Mike Gray rated MINI of Escondido

      Originally I visited Mini of Escondido to scout a specific model, but Rod won me over with his easygoing attitude and attention to detail. Instead of selling me on the flashy features of the Mini as others have done, Rod stuck to the driving experience while peppering in useful nuggets of information. After a productive test drive, the finance folks were diligent in finding a solution that matched if not exceeded my expectations. Five star customer service, five star dealer.

    9. buy here pay here Escondido dealer review by Rebeca Forteza

      Rebeca Forteza rated Mercedes-Benz of Escondido

      It is with pleasure for me to recommend Mercedes Benz of Escondido for their outstanding service during my recent visit, 4/22/20. Michael Ghandy my sales consultant, once again, along with Robin Rush, my service advisor, exceeded my expectations in providing excellent customer and repair service. They always go the extra mile when it comes to listening, addressing special circumstances, and performing quality work. Their efforts along with management resulted in a positive outcome. The entire organization takes pride in having loyal customers and maintaining a reputation for responsibility and care. I appreciate your exceptional customer service, quality work, and personal care. Again, I highly recommend Michael and the entire staff, thank you for what you do!

    10. buy here pay here Escondido dealer review by Kent Carruthers

      Kent Carruthers rated Mercedes-Benz of Escondido

      Best cars, best prices, awesome Mercedes dealership!

    11. buy here pay here Escondido dealer review by SummerRose English

      SummerRose English rated The Kar Place

      Richard’s service was above and beyond! He personally picked me up from my house with no pressure to buy a car and I ended up driving off the lot with insurance and everything set up the same day. If you are trying to buy a car and have little to no credit I highly recommend the kar place. No questions went on answered I am so happy with getting the one I wanted as a first buyer.

    12. buy here pay here Escondido dealer review by Richard Bell

      Richard Bell rated The Kar Place

      My name is Devon a friend called the Kar place and he called me right back within 10 minutes. Spoke to him briefly told him my situation an he said he'd be able to help me. Came in two days later and bought my car. He was very professional, informative an knowledgeable. I highly recommend this place for business

    13. buy here pay here Escondido dealer review by matt trembly

      matt trembly rated Bloom Auto Sales

      These guys are fair and real nice. Got my Subie from here and loving every moment with it. I got my registration quickly and the loan company they recommended has been top notch. The car had just had work done on it including an oil change. I'm going to send everyone I know to these guys for used cars.

    14. buy here pay here Escondido dealer review by Frederick Green

      Frederick Green rated Bloom Auto Sales

      Great car, great deal!!smooth transaction. Recommend 100%

    15. buy here pay here Escondido dealer review by F Ranger

      F Ranger rated Escondido Auto Super Center

      I worked with David he was great. It was a no hassle experience I was able to get the car I wanted and given all the time to drive and inspect it without a dealer breathing down my neck like other places. And I did not catch the young woman’s name that did the paperwork but she was excellent and had the papers ready fast and got me out of there in no time.

    16. buy here pay here Escondido dealer review by Altynay Askar

      Altynay Askar rated Escondido Auto Super Center

      I highly recommend if you’re looking a great car with a great price. This team is fantastic. They help you in any case :) Thanks guys for my Dream that become into reality!!!

    17. buy here pay here Escondido dealer review by siwei438 .

      siwei438 . rated Mazda of Escondido

      Patrick Howard is the kindest and nicest Sales Manager I ever met. He keeps our conversation and negotiation on phone clear and transparent. Upon arrival of dealership, no more negotiation were needed. He guided me thru every step of purchase and ensure we were comfortable meanwhile leaving my family room to talk. That was a efficient and comfortable buying experience and I am much appreciated to Patrick!

    18. buy here pay here Escondido dealer review by Jen A.

      Jen A. rated Mazda of Escondido

      This was honestly the best car buying experience of my life! Carly, Patrick, and Kendal are a dream team that I wouldn’t hesitate to recommend! Do yourself a favor, and see them when you want to buy a Mazda! The entire process was easy and seamless. Their answers to my questions were always very clear and easy to follow, and I really felt like they cared—even after the transaction was completed. I’m sure we will be back when my parents decide to upgrade their car as well.

    19. buy here pay here Escondido dealer review by Joanna Melendez

      Joanna Melendez rated Centre City Motors

      Loving our new Dodge Ram!! We even had to bring it back for a small fix and with no questions they found the problem and fixed it! Very happy with our experience here. Thanks Raymond for hooking us up with a great truck!

    20. buy here pay here Escondido dealer review by Debbie Graham

      Debbie Graham rated Centre City Motors

      Great place to go get a car . nice frendly people. Scot great man .good dieals

    21. buy here pay here Escondido dealer review by Erin C

      Erin C rated Honda of Escondido

      By far the easiest and most pleasant car buying experience I've ever had! I worked with Paul during the sale, and Jorge wrapped everything up. They gave me a killer deal, and Jorge even got my rate down even lower while we were doing paperwork. Everything was done electronically, which was awesome and made everything even more smooth. Paul was great to work with! Such a great sales personality, and not a pressure salesman. I will definitely return when I'm ready to make another purchase!

    22. buy here pay here Escondido dealer review by Garrett Ritchey

      Garrett Ritchey rated Honda of Escondido

      Easy customer service, almost walk in and walk out with a brand new car (If you qualify ?) 10/10

    23. buy here pay here Escondido dealer review by Christopher Feliciano

      Christopher Feliciano rated BMW of Escondido

      Experience was perfect. Sent message1 min before closure. Within 5 minutes responses were received with offer accepted. Purchased car next day. Very friendly and pleasant staff. The customer is well taken care of at BMW of Escondido. I drove 91 miles to get the car specification I wanted; however, the customer service experience was bonus. Thanks Peter, Pierre, and Jeannie.

    24. buy here pay here Escondido dealer review by Summer Sandberg

      Summer Sandberg rated BMW of Escondido

      Ryan at BMW of Escondido went above and beyond for me at my experience with them this past weekend. Not only locating the exact car I wanted that was somewhat difficult to come by, getting me a great deal, but also making sure I had the best experience every step of the way until I drove off the lot. We even went for a fun test drive while waiting for my car to be detailed! BMW of Escondido made me feel like it was a pleasure earning my business.

    25. buy here pay here Escondido dealer review by Murray Moran

      Murray Moran rated Volvo Cars Escondido

      Great staff, very friendly and welcoming. Very knowledgeable about their products. Nice selection of vehicles in their inventory. The new Volvos are pretty amazing, very nice interiors, lots of innovative technology on board, the function of which which was all explained by staff.

    26. buy here pay here Escondido dealer review by Linda Thomas

      Linda Thomas rated Volvo Cars Escondido

      Everything was easy - drop off, registration, pick up, timeliness. The staff was extremely pleasant and friendly. I even received a followup phone call asking if everything was satisfactory.

    27. buy here pay here Escondido dealer review by Karen Farley

      Karen Farley rated North County Kia

      I love the speedy professional service I receive at KIA. Just purchased my second vehicle there. Mr Sutton, the finance manager and Christina in sales made my car shopping a positive experience. Victor in the service department is very professional and personable. LOVE MY KIA

    28. buy here pay here Escondido dealer review by Donna Reimer

      Donna Reimer rated North County Kia

      Absolutely the best experience with salesman Tony Smart. Thanks Tony

    29. buy here pay here Escondido dealer review by Rachel Bringleson

      Rachel Bringleson rated Auto Advantage

      Erik gave me a great price & he was super easy to work with! And it's been a great car! Loved my experience at Auto Advantage!

    30. buy here pay here Escondido dealer review by Aaron Brown

      Aaron Brown rated Auto Advantage

      Had a great buying and trade in experience with Marc and Erik at Auto Advantage. Marc showed me the car I was looking at and had a binder ready with the Carfax and an invoice for the repairs and maintenance performed on the vehicle prior to it being put up for sale. Erik was able to offer more for my trade in than Carmax was offering which definitely helped out. Marc was awesome and worked with my budget to make a fair deal on the car that I wanted. He was also patient while I worked with my bank for 3 days to get the financing worked out. The car is a USED car and does have some rock dings in the paint and some scratches but for a used car still looks really good. I have been driving the car for 3 weeks now I think and I am very happy the way it drives and runs for being a USED car. I have been working on cars and aircraft for more than 15 years now and this is a quality used car. I have no worries about daily driving the car. Thank you Marc and Erik for the awesome car!

    31. buy here pay here Escondido dealer review by luis razo

      luis razo rated Geiman Motors

      Have bought multiple cars from this dealer and so far so good. Good customer service. Will definitely be back when looking for used car.

    32. buy here pay here Escondido dealer review by Jeff Stendel

      Jeff Stendel rated Geiman Motors

      I have been taking my cars to Geiman’s for over 20 years. I have always been very satisfied with their service and honest evaluations of what needs to be done. They are excellent mechanics at an affordable prices!

    33. buy here pay here Escondido dealer review by Victoria Wolfe

      Victoria Wolfe rated Jack Powell Chrysler Dodge Jeep Ram

      I had an excellent experience with Jack Powell! They had ample stock of the vehicle I was looking for, and were super helpful once I reached out. My salesman Jonathan was fantastic, and everyone I personally encountered during my time at the dealership were friendly and welcoming! Very nice and well kept facility.

    34. buy here pay here Escondido dealer review by Andy Campbell

      Andy Campbell rated Jack Powell Chrysler Dodge Jeep Ram

      Stacy has been the best. She has far exceeded any service consultant I've had at any dealership. Stacy kept me informed and more than anything else was an absolute pleasure to deal with. It stuck out to me on every occasion that she was pleasant, to the point and really cared for me as the customer. Not that Other consultants haven't done a good job. I just felt happy after interacting with her. Very professional. Employee of the month in my book. $$$$ Take care of her. She is the face you want representing the dealership.

    35. buy here pay here Escondido dealer review by Tracy Famighetti

      Tracy Famighetti rated Baldwin Auto Sales

      We bought a car from Don Baldwin. The truck was what the ad said. The purchase was fast. Family business are my favorite way to buy. Outstanding service. I recommend Baldwin auto 5 stars!!! ?

    36. buy here pay here Escondido dealer review by Greg Polk

      Greg Polk rated Baldwin Auto Sales

      I bought an older Lexus here and the buying experience was very smooth w/o any annoying up-sells or surprises. Don did a nice job of getting us in and out quickly too. :)

    BHPH Escondido CA dealer

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