Top 20 Buy Here Pay Here Dealers in Modesto CA

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

Connect with top 20 buy here pay here Modesto CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Modesto'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 Modesto CA

  • Auto World Auto Sales, CA

  • Star auto sales, CA

  • El Compadre Auto Plaza, CA

  • Empire Auto Sales, CA

  • Reys Auto Sales, CA

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

  • Discount Cars and Trucks Inc., CA

  • Devine Auto Sales, CA

  • Super Auto Sales, CA

  • Sam Auto Sales, CA

  • Lupita’s Auto Sales Modesto, CA

  • Did you know? These BHPH Modesto 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 Modesto 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.

  • Kars R Us, CA

  • Citi Auto Sales, CA

  • Auto Shopper America, CA

  • Tio’s auto sales, CA

  • El Vista Auto Sales, CA

  • The phrase buy here pay here Modesto 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. Modesto 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.

  • American Auto Depot, CA

  • Modesto Wholesale Sales, CA

  • Mendoza’s Auto Sales, CA

  • Premier Auto Sales, CA

  • J&SQualityMotors, CA

  • Why buy here pay here Modesto 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 Modesto 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 Modesto 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 Modesto CA Works

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

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

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

    While buy here pay here Modesto 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 Modesto 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.

    Modesto CA buy here pay here Reviews

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

    1. buy here pay here Modesto dealer review by Terry Jones

      Terry Jones rated Auto World Auto Sales

      My son recently bought a car from Auto World Auto Sales and it was the best car buying experience I've ever had. Alex and Hiran were terrific! They were super friendly, professional & flexible. Next time I'm ready to buy another car, I'm going back to them. I HIGHLY recommend Auto World Auto Sales.

    2. buy here pay here Modesto dealer review by Julia Nieto

      Julia Nieto rated Auto World Auto Sales

      This place is AMAZING! From the moment we called and spoke to Star on the phone until we drove off the lot in our new car we felt nothing but good vibes.. Alex and Hiran are excellent when it comes to providing great customer service. All of our needs were meet as well as all of our questions and concerns were answered. WE LOVE OUR NEW CAR! We were able to get a great deal for not having such great credit.. Approval was fast and easy! Not to mention we were able to get a $500 discount because of a coupon we found online.. I hope this place is still around when it comes time to buying another car because I wont go any where else! THANK YOU AUTO WORLD!!!!!!!!!!!!

    3. buy here pay here Modesto dealer review by john johnson

      john johnson rated Star auto sales

      Patrick is a very friendly and honest guy.. His team strives to make your experience very welcoming. I have bought several vehicles from Patrick over the last 6 years or so and have been happy every time. I would recommend Star auto Sales to everyone out there.. Thanks again guys for all your help

    4. buy here pay here Modesto dealer review by mariah riddle

      mariah riddle rated Star auto sales

      Patrick and the guys at Star Auto are genuine and extremely helpful. They are not your typical "car salesmen"! Patrick did his research and was able to get me the low rate and payment I was looking for. He really cares about his customers. He went above and beyond to make sure the purchase was stress free and I left Happy! I will definitely be referring him to friends and family!

    5. buy here pay here Modesto dealer review by Nimbus Cloud

      Nimbus Cloud rated El Compadre Auto Plaza

      Made a deal with Juan for a good car. Really great customer service and family owned business vibe. Good people and very proud of my purchase. Very much recommend this place.

    6. buy here pay here Modesto dealer review by Summer Gettings

      Summer Gettings rated El Compadre Auto Plaza

      Great selection, excellent customer service. I highly recommend for your next used car purchase!

    7. buy here pay here Modesto dealer review by Allison Bentley

      Allison Bentley rated Empire Auto Sales

      I found the perfect car in my budget! The management and customer service is excellent and very friendly. EMPIRE AUTO SALES is a wonderful car dealership. Myself, My mother and her friend have all bought cars here! Great inventory! Totally 5 stars earned!

    8. buy here pay here Modesto dealer review by Steven Kaharik

      Steven Kaharik rated Empire Auto Sales

      This place is awesome. Big Ed is the man. My dad bought a car here a couple years ago and the Guys at Empire Auto Sales were more than just accommodating they went over and above all expectations. Kind, courteous, and a pleasure doing business with. So much so that my wife and I are going to buy another car there right now. I would recommend Empire Auto Sales to everyone. Come see Big Ed at Empire, he'll hook you up.

    9. buy here pay here Modesto dealer review by Ryan Pappas

      Ryan Pappas rated Reys Auto Sales

      I just picked up my 2020 tags 2 months before they even due.They are all amazing and made my purchase fast and easy!

    10. buy here pay here Modesto dealer review by Labron Alexander

      Labron Alexander rated Reys Auto Sales

      I love Rey's Auto sales best dealership in Stockton

    11. buy here pay here Modesto dealer review by E Ansari

      E Ansari rated Discount Cars and Trucks Inc.

      Super friendly and helpful car dealer. They have tons of selections which is always good for buyers. We found the right car for me and it was so clean! So excited for my new car!

    12. buy here pay here Modesto dealer review by Marina Munoz

      Marina Munoz rated Discount Cars and Trucks Inc.

      Very satisfied with the friendly customer service! The owner is amazing and the cars are at a great price. Very helpful and honest!

    13. buy here pay here Modesto dealer review by Cliff U

      Cliff U rated Devine Auto Sales

      Mike did an outstanding job on getting us into car very reliable nice care for a great price.. and no pressure buying experience. They work hard to get you into a vehicle you can afford and enjoy for years. Not one complaint nothing but nice people and very quick and easy experience. And my credit isn't the best but they figured out a way to get me into a car job well done guys. Can't wait for car number two

    14. buy here pay here Modesto dealer review by Alfred Sisneroz

      Alfred Sisneroz rated Devine Auto Sales

      Was not planning to buy a car. But sales people were great & drove a great car home another plus they drove my expedition home 4 me

    15. buy here pay here Modesto dealer review by Mariah Olivo

      Mariah Olivo rated Super Auto Sales

      very helpful ! and also understanding. Alot of places turned me down because of credit. But he heard me out had me apply on his wesite call me back asap and tell me what he can do. must give give him a call. plus also he makes your care payment in 2 parts that builds your credit up !

    16. buy here pay here Modesto dealer review by Mohammad Safi

      Mohammad Safi rated Super Auto Sales

      Great cars and service by Byiancaa from Modesto,CA | October 24, 2013 I was a first time car buyer and I was quite skeptical of dealerships because i have heard many bad stories , but from the beginning Junior welcomed me with open arms and the car fax of the vehicle in hand .I was immediately put at ease and even though being a first time buyer there were many hard obstacles i had to go through to even qualify for my car , He called around and really went the extra mile to get me approved.I am now the proud owner of a quality tested vehicle and a loyal customer and so is my family , i will gladly recommend Super Auto sales to everybody because simply put they are the best Did you find this review helpful? Yes No Customer Service Buying Process Quality of Repair Overall Facilities Does recommend this dealer Did make a purchase

    17. buy here pay here Modesto dealer review by Cassidy Morton

      Cassidy Morton rated Sam Auto Sales

      I bought a car here on March 7th. I bought a 2012 Sonata and the car was in great shape for a really great price! The customer service was outstanding! My dad had previously bought a 2015 Sonata from here about 3 years ago and the guy remembered him. He ended up giving me several discounts because of it! I highly recommend this dealership if you are looking for a used car that is in great shape for a great price! 10/10

    18. buy here pay here Modesto dealer review by Elizabeth Rodrigo

      Elizabeth Rodrigo rated Sam Auto Sales

      All people in this car sale are very sweet n friendly. They can help you get the car you want. Thank you.

    19. buy here pay here Modesto dealer review by Mari Robles

      Mari Robles rated Lupita’s Auto Sales Modesto

      Maria was very helpful! We were very satisfied with our car shopping experience.? Will definitely come back in the future! ??

    20. buy here pay here Modesto dealer review by poramet kaipotong

      poramet kaipotong rated Lupita’s Auto Sales Modesto

      Wonderful people, very polite and considerate and understanding. i had a very comfortable experience here and i really felt that the Maria wanted to help me get the car that i dreamed about. My brother already choose a car from their inventory and is scheduled in the weekend for a test drive. Thank you Maria and thank you Lupita's.

    21. buy here pay here Modesto dealer review by kerry toscano

      kerry toscano rated Kars R Us

      We got a great deal on a Jeep Rubicon. Paul was very up front about the few things that needed to be done. He also steered us to another company to buy an extended warranty from the Jeep Dealership if we wanted the added security. He took the time to call us to make sure we were happy with our purchase and called another 4 wheel drive friend to find out answers on a light that had been added not by them. They were a long drive from us as we came from Sacramento but I feel it was totally worth it, as we saved 1,000's going to Modesto area where he was ! Thank you for all your patience and staying open late to make the deal !

    22. buy here pay here Modesto dealer review by Competition Roadside

      Competition Roadside rated Kars R Us

      I just drove threw looking for a vehicle they didnt have. Never talked to anyone. I supose its a good place to buy a car but dont quote me on that. Looks like good car lot anyways.

    23. buy here pay here Modesto dealer review by Ramon Perez

      Ramon Perez rated Citi Auto Sales

      Fast & friendly service

    24. buy here pay here Modesto dealer review by Regina Maldonado

      Regina Maldonado rated Citi Auto Sales

      My family has purchased a total of 3 vehicles from Moses. And if need be we will come back for #4.

    25. buy here pay here Modesto dealer review by melissa catalano

      melissa catalano rated Auto Shopper America

      Awesome place helped me get a car and a job!

    26. buy here pay here Modesto dealer review by Lori Loveday

      Lori Loveday rated Auto Shopper America

      They were very friendly yet professional. I was planning on shopping around. They offered a deal I couldn’t pass up and I bought a really sweet ride.

    27. buy here pay here Modesto dealer review by Marco Moreno

      Marco Moreno rated Tio’s auto sales

      Good cars at affordable prices.

    28. buy here pay here Modesto dealer review by Melanie Bracero

      Melanie Bracero rated Tio’s auto sales

      I showed up looking for a car to buy for my daughter. I was able to roam the car lot without any pressure of buying. They had a large selection of American and foreign cars. When I was ready to look at a car Barry was ready to show it to me. And if I wanted to finance this vehicle they could do in house without messing your credit rating. I decided to pay cash for the Honda Element I purchased for my daughter. Very clean car well kept quality vehicle. The lot might be a little rough but you will find the gem you're looking for there. Jorge made a deal on the price with me and offered financing as well. Check them out you will be very surprised. No secrets or gimmicks! Thank you Barry and Jorge! My daughter loved the car!

    29. buy here pay here Modesto dealer review by Ken Andrew

      Ken Andrew rated El Vista Auto Sales

      I had a great experience buying a used car from El Vista. All three employees who helped me were very kind, accommodating, and trustworthy - especially Luis who helped me through the purchase. I can’t thank them enough for the great experience and getting me behind the car of my dreams.

    30. buy here pay here Modesto dealer review by Kobold

      Kobold rated El Vista Auto Sales

      Before coming here I went to around ten other dealerships and was treated like I either didn't know what I wanted or just ignored by staff due to looking so young. By the time I went to El Vista I was done and not willing to put up with any games. They happened to have an older Camry that was exactly what I was looking for. I was able negotiate a better price, they ordered to detail it for free (didn't care for that) and it passed the independent inspection from my mechanic. If you are a young female go to this lot first, they won't try to up sell you, ignore you, or talk down to you.

    31. buy here pay here Modesto dealer review by gracie sena

      gracie sena rated American Auto Depot

      Hi, American Auto Depot Crew. First and foremost I want to thank Pranesh, Leo, and Atish from the bottom of my ?. Y'all are awesome and amazing! Thank you for your self-sacrifice and your sincere kindness. Y'all went above and beyond in helping not only myself but my car also. Y'all are really down to ? guy's. May God bless y'all in all your endeavors and continue to be keep being yourselves. ? ? Sincerely, Gracie Sena.

    32. buy here pay here Modesto dealer review by mireya uribe

      mireya uribe rated American Auto Depot

      They have amazing service. I got helped by Jose and he was very friendly and helped me with everything. I'm happy with he car he sold me. I will differently recommend this place to my friends and family.

    33. buy here pay here Modesto dealer review by Darrin Barber

      Darrin Barber rated Modesto Wholesale Sales

      Excellent service and friendly people.

    34. buy here pay here Modesto dealer review by Steve Smith

      Steve Smith rated Modesto Wholesale Sales

      Love my new red mercedes

    35. buy here pay here Modesto dealer review by Anthony Jordan

      Anthony Jordan rated Mendoza’s Auto Sales

      Bought a car about 2 days ago. Drove smooth. They were fair with the price. Staff was friendly. My check engine light came on due to the thermostat. I called them and they schedule me in to fix it for me. Very pleased plus i got a car ive been wanting for a long time?.

    36. buy here pay here Modesto dealer review by Alejandro Mendoza

      Alejandro Mendoza rated Mendoza’s Auto Sales

      The best place i have ever gone to help full and will negotiate price and they are very nice 100 percent recommend for people to go there

    37. buy here pay here Modesto dealer review by Jeanette Hayward

      Jeanette Hayward rated Premier Auto Sales

      Really nice men will help you find a new car. Good and fair prices

    38. buy here pay here Modesto dealer review by Jesus Ceja

      Jesus Ceja rated J&SQualityMotors

      Great place to buy a car

    39. buy here pay here Modesto dealer review by Karina Jimenez

      Karina Jimenez rated J&SQualityMotors

      I purchased my first vehicle from here and had the best experience. From start to finish, the salesmen were very helpful in helping me find just what I was looking for. Car runs great! Great customer service. 5 stars!

    BHPH Modesto CA dealer

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