Top 13 Buy Here Pay Here Dealers in Irvine CA

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

Connect with top 13 buy here pay here Irvine CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Irvine'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 Irvine CA

  • Tustin Toyota, CA

  • Tuttle-Click Mazda Irvine, CA

  • Tustin Mazda, CA

  • Tuttle-Click Ford Lincoln, CA

  • Nissan of Irvine, CA

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

  • DCH Tustin Acura, CA

  • Summer Auto Finance, CA

  • AutoNation Toyota Irvine, CA

  • Tuttle-Click Hyundai, CA

  • Tustin Cadillac, CA

  • Did you know? These BHPH Irvine 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 Irvine 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.

  • Irvine Auto Center, CA

  • Nissan of Tustin, CA

  • Executive Auto Sales Inc, CA

  • Why buy here pay here Irvine 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 Irvine 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 Irvine 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 Irvine CA Works

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

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

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

    While buy here pay here Irvine 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 Irvine 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.

    Irvine CA buy here pay here Reviews

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

    1. buy here pay here Irvine dealer review by Wes Jahneke

      Wes Jahneke rated Tustin Toyota

      Walked on to the lot to look. Saw a Tundra I loved and Mario turned my dream into a reality. Not only was the deal completed in under 2 hours, the staff was nice, we ate free lunch and got a deal I could not believe. What a great dealership and experience. I am a customer for life.

    2. buy here pay here Irvine dealer review by michelle hines

      michelle hines rated Tustin Toyota

      For many many years I’ve used Tustin Toyota (and I live in Los Angeles but I make the drive) including today. I am a repeat customer because of Mario and Jesus Leon in sales, both make the car buying experience painless and actually fun. They are thoughtful and honest which seems rare in the car business. If I could give 10 stars I would. Year after year I return to them and refer friends and family too. You won’t be disappointed and ask for Mario or Jesus both are top notch. Happy driving

    3. buy here pay here Irvine dealer review by Joseph Bautista

      Joseph Bautista rated Tuttle-Click Mazda Irvine

      Due to the current pandemic, Mazda companies offered health care workers free oil change and wash. Since my wife is a nurse, we decided to take their offer. We were greeted promptly, wrote up the paper work and took the car for service. I appreciated their prompt response and care.

    4. buy here pay here Irvine dealer review by Feli

      Feli rated Tuttle-Click Mazda Irvine

      Everyone is so thoughtful, friendly, and accommodating. I really enjoy every interaction with the staff at Tuttle-Click Mazda Irvine from sales, service, and collision repair. The service department does great work with genuine parts at very competitive prices. I am so pleased I found this dealership.

    5. buy here pay here Irvine dealer review by Jimmy Mistry

      Jimmy Mistry rated Tustin Mazda

      Was greeted with a great smile and attitude from my boy Jason here. He got us a test drive right away. The dealership is built like a spaceship with friendly people. Everything was smooth and painless. The finance manager Debbie was great. They were very clean with all pricings and dealings. Walked away happy & satisfied with my purchase of a 2012 VW. Thank you team Tustin Mazda and especially Jason for getting me an affordable, clean ride. :) UPDATE: Wanted to give a big shout out to Jeff from service dept. Took my car in and he found a VW warranty and everything fell in place. Thank you!!!

    6. buy here pay here Irvine dealer review by Andrew Solorio

      Andrew Solorio rated Tustin Mazda

      Recently traded in my 2015 Mustang for a 2018 Mazda6 Signature and I’ve never had such a pleasant and seamless car-buying experience. I was in and out of there in 3 hours. Do your homework and go in prepared and you’ll also have a similar experience with this place. Entire staff is very easy to work with (my sales rep was Tyler) and they’re transparent, direct, and honest. Props to Mazda of Tustin and their ownership for providing such high-caliber customer service! Highly recommend!

    7. buy here pay here Irvine dealer review by Nick Jones

      Nick Jones rated Tuttle-Click Ford Lincoln

      The service department at Tuttle Click is fantastic. Renato & Sam are always accurate on their timing for repairs, and keep me up to date at all times. Friendly service with a smile each time I visit. I would highly recommend the entire team there in Irvine!

    8. buy here pay here Irvine dealer review by Tracey Johnson

      Tracey Johnson rated Tuttle-Click Ford Lincoln

      Excellent service, the Salesman Tim McCormick met me when I got there (mind you, he sold me the car two years ago) and he walked me to a service technician who helped me out. They got me out of there as quick as possible even though they started to get busy. Then, when I couldn't find my 120 volt electric plug, Tim got it and placed it on the back seat for me! That's high quality service and why I drive from Norwalk to Irvine for an oil change.

    9. buy here pay here Irvine dealer review by Lobito Cortez

      Lobito Cortez rated Nissan of Irvine

      Best Nissan Service Dept. experience, very friendly and professional.. Awesome job service team..!!

    10. buy here pay here Irvine dealer review by Mary Kohatsu

      Mary Kohatsu rated Nissan of Irvine

      I just bought a car at this dealership. What a refreshing experience after going to the Surf City location which was terrible (do not work with Ricardo!). The Irvine staff, especially Landrew, was so honest, straightforward, and nice. Such a pleasant experience. I highly recommend!

    11. buy here pay here Irvine dealer review by Summer Bloom

      Summer Bloom rated DCH Tustin Acura

      Wow! We have bought a lot of cars over the years and this was our best experience for sure. Gilbert Martinez was our sales guy. He's very experienced and knowledgeable. More importantly there was no pressure. So easy and not at all stressful. Makes it work. Same with finance and everyone. What a great dealership!!

    12. buy here pay here Irvine dealer review by Lina Nguyen

      Lina Nguyen rated DCH Tustin Acura

      I originally purchased my Acura 2017 ILX from Kenny. He's a great salesman that understood how stressed i was from car shopping. It was with his straightforwardness and confidence that i gave him my purchase and i don't regret it since. Kyle has been helping me with my service and today was no exception. He was friendly, able to understand my situation and walk me through the process of what the service department will do. If you are stuck waiting in the lounge area like i am, they offer complimentary drinks, snacks and wifi. Its very calm, and everything is kept clean. The bathrooms are super nice and i don't ever mind waiting here.

    13. buy here pay here Irvine dealer review by Sirena Reyes

      Sirena Reyes rated Summer Auto Finance

      Great place to find a used car & easy financing without the credit check! Customer service is superb & owner/employees are available to answer all questions, comments, concerns, etc. I’ve had my 2007 Jetta for almost a year now & it has given me NO major mechanical problems. I’ll likely buy from them again :)

    14. buy here pay here Irvine dealer review by Jordynne Lancaster-Wilson

      Jordynne Lancaster-Wilson rated Summer Auto Finance

      Summer Auto Finance is the best 2nd chance financing company to ever buy from!! Both Brian and Sam really take care of their customers and listen to what the customer wants. They are understanding and will work with most situations and if ever you have a problem making your car payment, call them up and be open and honest and they can work with the truth of the situation and are completely nice and gracious about it, understand and allow for things/life to happen and will work out a suitable arrangement that works for everybody. When I am ready to buy another car, I will buy again from Summer Auto!!!

    15. buy here pay here Irvine dealer review by Chris Bertrand

      Chris Bertrand rated AutoNation Toyota Irvine

      This dealership was mindful of safety measures with Covid. Distancing and a maintenance person disinfecting. Our experience was quick and easy. I paid a great price without any haggling. The customer service was professional.

    16. buy here pay here Irvine dealer review by JOHN ERTAN

      JOHN ERTAN rated AutoNation Toyota Irvine

      The strongest issue of this brand is that it definitely provides a good quality service. So far, I have owned vehicles in different brands and segments in different countries. I also used the model that we can call A segment. I also used brand model vehicles that nobody likes. Maybe Toyota is as safe as Volvo and it cannot produce technological models as Tesla. But when you come to this service, you come across a service that gives you the time and gives you the best without getting too much money out of your pocket. Service employees provide very high quality service. especially their greetings, speeches, explanations to you. If a piece is needed it changes. If not, you are explained and you are not asked to get too much money out of your pocket. Although I said no need for a different car company that wants $189 for an regular air-conditioner filter, I remember that they changed my filter because of this lease car's requirement. I'm not a Toyota brand fan or one who thinks it's the best car in the world. The quality of the vehicle, the fuel economy of the vehicle and the data analysis of the vehicle show that the middle lower and middle upper class American families also have this Japanese vehicle in the opinion of anyone who thinks about the fuel economy and drives a long way. I would like to say that I like the service understanding of Autonation company and wish them to continue this understanding for many years.

    17. buy here pay here Irvine dealer review by Rob Bukovinszky

      Rob Bukovinszky rated Tuttle-Click Hyundai

      Lets face it, everyone is excited to get into a new car. So besides that fact, the experience from the dealership, salesperson, financial department, and management is important. A personable staff that can give the customer a no haggle reason to look at all the options available is important. Sure you can get that somewhere else but I found the salesman, Ken, to be the guy for me. He had all the answers and even asked me questions about my needs before suggesting an option. I had my mind set on an SUV and chose the Palisade for a test drive. I got more than I bargained for, price and options are perfect. So consider the experience... if you are savvy about credit you should know your score walking into anything; including the options, payments and bottom line walking out. That’s me, I am walking in with my credit score, providing it to the financial department and ensuring I want what they are selling. That’s exactly what I got, the numbers were right, the options were there and the incentives put pen to paper. Overall perfect is an understatement of experience, everyone took care of me and answered all questions I needed answered. That’s why 5 out of 5 stars to me, is an understatement of my impression of the team at Hyundai of Tuttle-Click Irvine. Superior Salesmanship, Exceptional Financial Department, No Hassle Management, and a comfortable clean environment. Highly recommended team!

    18. buy here pay here Irvine dealer review by Ed Miskevich

      Ed Miskevich rated Tuttle-Click Hyundai

      I've been going to this dealership for various recalls and required service since 2011, and they've been good to work with. I was told today's service would take 2 hours and that is indeed what happened.

    19. buy here pay here Irvine dealer review by Tony Comer

      Tony Comer rated Tustin Cadillac

      Thomas and Taylor were amazing. Great senses of humor and very knowledgeable about the cars in their lot.

    20. buy here pay here Irvine dealer review by Pj Bianchetta

      Pj Bianchetta rated Tustin Cadillac

      My experience here, like many other Cadillac dealerships, had been pleasant. The service center staff were kind and attentive. It is a little bit more expensive than other Cadillac dealerships I've been to, but I'm confident that is just due to regional price differences. The auto mall, where it is, is also kind of interesting if you are a car person. Overall I definitely recommend the service center it if you want quality service.

    21. buy here pay here Irvine dealer review by Lilibeth Lopez

      Lilibeth Lopez rated Nissan of Tustin

      Great Customer Service in Service Department. Got an amazing deal on a battery and had my terminal replaced at an amazing value! I will be returning in 2 weeks for new set of tires! The service technicians were kind enough to assist in adjusting my loose bumper. Very pleased and happy with my visit! Will return and recommend!

    22. buy here pay here Irvine dealer review by Carole Ooi

      Carole Ooi rated Nissan of Tustin

      Elliot Park is our sales person and he has been great! In fact all of the employees have been very friendly and helpful. Excellent selection of vehicles to choose from and with Costco pricing in addition to the already great pricing we left with a fantastic deal! We would recommend Tustin Nissan!

    23. buy here pay here Irvine dealer review by Derek B. Miller

      Derek B. Miller rated Executive Auto Sales Inc

      We spent weeks driving all over So Cal looking for used cars. We finally found this awesome used Mustang for our son who just turned 16. We're all very happy with the car and the deal Paul gave us. Everyone thinks it's a new car even though it's a 2016. Paul is very selective on what he buys/sells which is the major difference between between E. A. S. and other dealers. It's all about quality and not quantity. Thank you sir for making this deal happen.

    24. buy here pay here Irvine dealer review by Sarah Evans

      Sarah Evans rated Executive Auto Sales Inc

      I met with Paul, the owner, today during my visit of shopping for a used car. He is indeed a man of integrity and I appreciated very much the time he took out to help me. In the end of the day, Paul was more concerned about getting the right vehicle for his customer than making the profit. I cannot say enough good things about Executive Auto Sales and will go back next time and recommend everyone to this wonderful place.

    BHPH Irvine CA dealer

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