Top 12 Buy Here Pay Here Dealers in Huntington Beach CA

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

Connect with top 12 buy here pay here Huntington Beach CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Huntington Beach'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 Huntington Beach CA

  • Enterprise Car Sales, CA

  • Norm Reeves Honda Superstore Huntington Beach, CA

  • Sterling BMW, CA

  • Huntington Beach Mazda, CA

  • Huntington Beach Harley-Davidson, CA

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

  • Car Pros KIA Huntington Beach, CA

  • Midas, CA

  • CarMax, CA

  • California Imports, CA

  • Genesis of Huntington Beach, CA

  • Did you know? These BHPH Huntington Beach 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 Huntington Beach 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.

  • Huntington Beach Chrysler Dodge Jeep Ram, CA

  • Newport Beach Motor Company, CA

  • Why buy here pay here Huntington Beach 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 Huntington Beach 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 Huntington Beach 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 Huntington Beach CA Works

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

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

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

    While buy here pay here Huntington Beach 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 Huntington Beach 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.

    Huntington Beach CA buy here pay here Reviews

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

    1. buy here pay here Huntington Beach dealer review by Brandy Griffith

      Brandy Griffith rated Enterprise Car Sales

      I went to the sales office thinking that I would only be looking at some cars that I needed. Although, I definitely had to get a new car ASAP. Tim and Mr. Alvarado where awesome!!! Tim showed me the cars that I was interested in and were within my budget. There was absolutely no pressure into buying, and they were honest with me. I decided to purchase a vehicle, and I am glad that I got the car of my choice and for a really good deal!!! I am also happy to have worked with these guys because they were very cordial and professional. I would definitely shop here again! Thank you!

    2. buy here pay here Huntington Beach dealer review by Sarah Long

      Sarah Long rated Enterprise Car Sales

      This was my first time buying a car from a lot. Typically my family and I are firm believers in no car payments and buying used (really used) from a private person, outright in cash. After having too many cars on the fritz needing repair after repair, my husband and I were ready to ‘adult up’ and buy a newer car under warranty, to ease our anxiety of car troubles. Pay now, or pay later amirite? All I have to say is that every associate and manager that we encountered at Enterprise was stellar! Their customer service, their non-pushy sales style, was exactly what we needed. They gave us time and space to make sure our decision was what we truly wanted, and put zero pressure on us to buy from them. They answered every question we had, were incredibly accommodating and it truly was haggle free, hassle free, and we were in and out in less than hour once we had finally come to our purchase decision. This program of having barely used cars in immaculate condition is exactly what I needed. I wanted to feel like I was making a smart decision financially, but also getting a quality car that would last. Each car must go through an inspection process before being sold on the lot. Our Tucson is only a year old, with hardly any miles, and didn’t have a scratch on her. We are beyond elated with our new car and the entire experience of buying this car. From RJ and Erica showing us the cars and taking us for test drives, to Jason covering all paperwork quickly and efficiently. This was a breeze! I didn’t even have to make a physical trip into my bank, or the DMV! Thank you a million times. I will be back in a couple years when we are ready to purchase another car! Also, thank you for the great trade in deal! That too took a lot of pressure of us and saved our valuable time to be better spent on driving our new car, rather than selling our junker!

    3. buy here pay here Huntington Beach dealer review by James Chilcott

      James Chilcott rated Norm Reeves Honda Superstore Huntington Beach

      I lost my car to a fire, so my wife and I were in the market for a new one. After a recommendation to visit Norm Reeves, we met Bo Sepehri a knowledgeable sales representative and Paul Conant the GM of Honda Reeves. They worked with us to get us an amazing deal on a 2018 Civic hatchback sport. We are thrilled with the new vehicle and the deal we received from the Honda team. And to top it off they gave us a certificate for a free annual beach parking pass worth $190. It was like the cherry on top. Can't thank them enough for helping us out during a tough situation. Highly recommend Norm Reeves and all of their staff. Keep up the wonderful job.

    4. buy here pay here Huntington Beach dealer review by Erin Immegart

      Erin Immegart rated Norm Reeves Honda Superstore Huntington Beach

      I had been looking and researching cars for the last 2 years. I was about to go test drive a car at another Honda place. I decided to reach out to Jonathan before I went to go look at the other Honda place, I had reached out to him over the last 2 years when I'd see a Honda I liked. Thank Goodness I went quick, easy and I love my car! Delphine and Jonathan stayed late and we got it done. Thank you Norm Reeves HB.

    5. buy here pay here Huntington Beach dealer review by Dan Kehr

      Dan Kehr rated Sterling BMW

      Amazing Service! Thank you Alex! Keep up the good work over there at Sterling BMW! I called and was able to drop my car off on the spot as I was driving by and they fixed my car (check engine soon light was on) so fast and so efficiently - I was incredibly happy with my experience. They also text message me (at my request) and sent me a detailed video of my vehicle's inspection. Well done guys. I like the new tech and loved the BMW loaner.

    6. buy here pay here Huntington Beach dealer review by Rachel Weiss

      Rachel Weiss rated Sterling BMW

      My car had oil change due and other problem with Apple car play. Warm welcoming, fast procedures , beautiful relaxing lounge if you want to wait for your car or simply they would offer a loaner. My car had the oil changed and problem got fixed, by afternoon I got my car clean and shiny..!! Highly recommended.

    7. buy here pay here Huntington Beach dealer review by Joel Navarro

      Joel Navarro rated Huntington Beach Mazda

      I just purchased a car from HB Mazda and they were great! Very professional in every aspect. Nick Valenzuela and Louie in the finance department in particular were a pleasure to work with from start to finish. They never pushed but went out of their way to make the deal and accommodate our needs. Very very happy with our purchase and the service we received. We would not hesitate to recommend them for any vehicle buying need.

    8. buy here pay here Huntington Beach dealer review by Andy Day

      Andy Day rated Huntington Beach Mazda

      This was by far the easiest car buying experience I have ever had. The HB Mazda team was friendly and helpful. I purchased a Certified Pre-Owned Mazda CX-3 Touring. The car was in excellent condition and at a fair price. Special thanks to JD and Louis for going out of their way to relieve the stress of buying a car and for providing me a premier car buying experience. I would highly recommend visiting HB Mazda for your next car purchase.

    9. buy here pay here Huntington Beach dealer review by Eric Rabitoy

      Eric Rabitoy rated Huntington Beach Harley-Davidson

      Best service experience, ever. Johnny in Service took very good care of my for the 15,000 service on my Road King. Very professional and he served to explain everything to me in detail. Took very good care of me and I'll be back for the 20,000 mile service! Eric

    10. buy here pay here Huntington Beach dealer review by Robert Bolar

      Robert Bolar rated Huntington Beach Harley-Davidson

      , If your looking for a Harley Davidson this is the place! I can truly say the customer service here is outstanding! They have the biggest selection of new and used Harley Davidson motorcycles than I have seen anywhere. Super nice people who will take care of you!

    11. buy here pay here Huntington Beach dealer review by George Powell

      George Powell rated Car Pros KIA Huntington Beach

      This place is amazing. They didn’t force a car on me. They gave me an amazing deal. Normally dealerships just want quick money and they don’t care about you in my opinion. This was the best experience I’ve ever had buying a car. You can’t go wrong going here. Great people and thanks again!

    12. buy here pay here Huntington Beach dealer review by Angel Macias

      Angel Macias rated Car Pros KIA Huntington Beach

      Frank Vallejo treats you like family! He is a "can-do" kind of person that goes out of his way to help you. I've purchased 3 cars from Frank so far, and as long as he stays in the business, he has my loyalty as a return customer! Thank you Frank, Milton, Mario, and the rest of the Huntington Beach Car Pros KIA team for upgrading my family into a Sorento!

    13. buy here pay here Huntington Beach dealer review by Irlanda Cortes-Acosta

      Irlanda Cortes-Acosta rated Midas

      I had a great experience today, the gentleman in the front was so nice. Got an oil change and tire rotation, it was fast and inexpensive. Did not try to sell me anything, will be back again!

    14. buy here pay here Huntington Beach dealer review by Cynthia Singh

      Cynthia Singh rated Midas

      This place was great fixed my dads car and fixed my car too. Great place to go if you are in the area . Thanks team Midas

    15. buy here pay here Huntington Beach dealer review by Scott Trumbo

      Scott Trumbo rated CarMax

      I love this place. Third car purchased here. Gave me a good price for my trade in. I’ll gladly pay a little more vs private party and no warranty. Very happy with the experience.

    16. buy here pay here Huntington Beach dealer review by Susana Vasquez

      Susana Vasquez rated CarMax

      Best auto buying and selling experience with no pressure sales tactics.We were immediately greeted by Oscar who helped and guided us through the whole process. He was very professional and knowledgeable of the inventory at hand making. My girlfriend ended up purchasing a used 2018 Infinity Qx30 that had to be delivered from their Burbank location. We had it set aside on a Saturday afternoon and it was available by Tuesday and finished the deal in less than 2 hours. A week later, I said goodbye to my beloved Jeep Wrangler. I had received a prior offer and decided to go in and finish the deal later that week. Selling my car was even easier. I handed them the offer I had received, I was still within the 7 day period. The only wait time I had was waiting for one of the desks to open up. Once a desk or booth came available the process took only 15 min to complete, I received all pertinent paperwork, and a check for my offer. Hassle free, no pressure, no lies. We would definitely come back and purchase or sell another vehicle here.

    17. buy here pay here Huntington Beach dealer review by yup royale

      yup royale rated California Imports

      This is the best place ever, they were very nice to me. I bought a very luxurious Mercedes Benz for $6,000. What a great deal! Thanks, David and George. You just made a customer for life!

    18. buy here pay here Huntington Beach dealer review by Joseph Grasso

      Joseph Grasso rated California Imports

      Saw your business on Wheeler Dealers with Mike getting the black 2002 E55 AMG! Awesome.

    19. buy here pay here Huntington Beach dealer review by Pete selley

      Pete selley rated Genesis of Huntington Beach

      Great sales info and test drive with Richard Conley we will be back to deal with him on a new sonata plug in

    20. buy here pay here Huntington Beach dealer review by Surferdude HB

      Surferdude HB rated Genesis of Huntington Beach

      Excellent customer service

    21. buy here pay here Huntington Beach dealer review by raquel munoz

      raquel munoz rated Huntington Beach Chrysler Dodge Jeep Ram

      Just bought our first Chrysler from Huntington Beach Chrysler and couldn’t be happier with the service we received. Chris, Moe, and Israel were extremely helpful in getting us the deal we really wanted. We’re thankful they went above and beyond to help my husband, a disabled veteran, get the best deal we could get. We highly recommend them to anybody out there looking to buy a car!

    22. buy here pay here Huntington Beach dealer review by ramin mirbostany

      ramin mirbostany rated Huntington Beach Chrysler Dodge Jeep Ram

      I visited this dealership yesterday and this review and five star is a special thanks to Syd and I forgot his last name. He was very professional, knowledgeable, with nice attitude with a lot of passion for his work. He made me feel comfortable to have a deal with them. I purchased several car from this dealership for myself and my friends before and saw all sort of people and I would say Syd by far stand out. As a result I will come back to this dealership for my other pertinent needs.

    23. buy here pay here Huntington Beach dealer review by emma morris

      emma morris rated Newport Beach Motor Company

      Bought a beautiful well priced BMW here and unfortunately it got a check engine light on, received a courtesy car for free while they got it fixed and when it couldn't be fixed they searched all the auctions for an identical replacement and let me keep my courtesy car at no cost for a whole month until they found my new dream car. Amazing. These Irish guys are awesome!

    24. buy here pay here Huntington Beach dealer review by Elliott Redmond

      Elliott Redmond rated Newport Beach Motor Company

      2 week later, Im am Stoked. Happy. Elated. Very Pleased. Wow. Not only was the process, Quick and EZ. The whole thing was Wonderful. Checking the Vehicle, Test Driving the Vehicle, going over the Details with Chris. Then after I bought it, I took it to Lexus of Riverside, and they Told me I Damn Near Stole the Vehicle. It was in Beyond Great Condition considering its a 2004, it passed all tests, Exterior, Interior, and Engine etc. After Lexus of Riverside called me and told the good news, I took it to my Personal Mechanic, and He said the Same thing. I am so Happy, I called Chris to tell him Wow, Im a HAPPY CUSTOMER. Trust this, when Im looking for another Vehicle in the future, Im definitely going to Look to Newport Beach Motor Company and Call Chris 1st. No Joke.

    BHPH Huntington Beach CA dealer

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