Top 14 Buy Here Pay Here Dealers in Oakland CA

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

Connect with top 14 buy here pay here Oakland CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Oakland'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 Oakland CA

  • BSL Auto Center, CA

  • Diamond Auto Sales, CA

  • CarHop Auto Sales & Finance, CA

  • Buggy Bank LLC, CA

  • Cal West Motors, CA

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

  • Platinum Motors, CA

  • A Plus Tire & Wheel, CA

  • One Toyota of Oakland, CA

  • MobilityWorks, CA

  • ANA Auto Sales, CA

  • Did you know? These BHPH Oakland 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 Oakland 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.

  • Oakland Mitsubishi, CA

  • Pick-n-Pull Cash For Junk Cars, CA

  • Bay City Motors, CA

  • Auto Doctor, CA

  • Why buy here pay here Oakland 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 Oakland 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 Oakland 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 Oakland CA Works

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

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

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

    While buy here pay here Oakland 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 Oakland 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.

    Oakland CA buy here pay here Reviews

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

    1. buy here pay here Oakland dealer review by Victor Delgado

      Victor Delgado rated BSL Auto Center

      I came to B.S.L Auto from Sacramento after doing a bunch of research on a 2012 Range Rover Sport and visiting a couple other dealerships. Daniel gave me the info I asked for. They have no salesman there so it’s no pressure of buying at all. Daniel is incredibly knowledgeable and helpful. He worked with me on a mutually agreeable price and was able to get me an excellent deal on a car that I always wanted. I had a great experience and never felt like I was being forced into a sale with terms that I didn’t agree with. Super dope place. Didn’t feel pressure at all! Daniel even filled my tank up and got my car professionally detailed before I left the lot! Would highly recommend B.S.L Auto. Thank you so much for your help, Daniel ! You treated me extremely well!

    2. buy here pay here Oakland dealer review by El Vendedor De Carros

      El Vendedor De Carros rated BSL Auto Center

      Great guys, great team. Bought my Trailblazer ss here and love. In and out. No bs no time wasting.

    3. buy here pay here Oakland dealer review by jo Zef

      jo Zef rated Diamond Auto Sales

      Great price, great service. They have great luxury cars and not overpriced! The owner was very easy to deal with. He doesnt deal with you like typical car salesman. All in all, we had a wonderful experience with this company. Highly recommended!!!

    4. buy here pay here Oakland dealer review by Nicholas Bulat

      Nicholas Bulat rated Diamond Auto Sales

      I was skeptical at first going to a small used car dealer but I was pleasantly surprised by the professionalism and honesty of Alex and his team at Diamond Auto Sales. I flew down from Seattle and picked up a car that was exactly as described. Alex let me take the car to a mechanic of my choice no questions asked. The drive back to Seattle went smoothly and it was a blast making new memories in the car. I would do it all again and recommend the dealer to any friends in the market for a used car. A+

    5. buy here pay here Oakland dealer review by Mark Agombar

      Mark Agombar rated CarHop Auto Sales & Finance

      Thomas Smith helped me get a fantastic deal. My initial inquiry was not approved but with his guidance and ongoing follow up he got me driving in 2 weeks even with the extremely difficult financial situation I was in due to an ongoing divorce. It was an amazing experience and my only regret is not coming in 3 years ago when I purchased my previous vehicle

    6. buy here pay here Oakland dealer review by sharee tay

      sharee tay rated CarHop Auto Sales & Finance

      Great service. Deandre and Angelica are wonderful!!!??? If you need a car check them out!!! Yes I'm rolling again!! Sharee

    7. buy here pay here Oakland dealer review by Larry Gunn

      Larry Gunn rated Buggy Bank LLC

      Great service! We've used them before when selling a vehicle and are using them again. They are friendly, professional, and very knowledgeable. Thanks Buggy Bank!

    8. buy here pay here Oakland dealer review by Chris Lingle

      Chris Lingle rated Buggy Bank LLC

      This place is the place if you want to sell a vehicle with the least amount of hassle. Jerry runs a very tight game and knows the market better than anyone I've met before, period! I have sold several cars here faster and for more money than I expected.

    9. buy here pay here Oakland dealer review by Brooke Alexander

      Brooke Alexander rated Cal West Motors

      My family has purchased two vehicles from Cal West Motors and we have not been disappointed! Brian was very helpful and accommodating. I told him what I was looking for and he showed me three separate trucks that fit my needs. There was no pressure to buy, and the truck I did pick out has been great! I would highly recommend checking them out and seeing what they have to offer!

    10. buy here pay here Oakland dealer review by Alex Leiva

      Alex Leiva rated Cal West Motors

      Amazing dealer, good prices, good attention, Ryan offers the best all times.

    11. buy here pay here Oakland dealer review by Steven Ayesh

      Steven Ayesh rated Platinum Motors

      Great dealership they helped me get into a car. My credit wasn't good and I didn't think I was able to get a car! Platinum motors got me approved! Was really surprised and I appreciate platinum motors for helping me. GREAT PLACE TO BUY A CAR! THANKS PLATINUM MOTORS!

    12. buy here pay here Oakland dealer review by Val Kotelnikov

      Val Kotelnikov rated Platinum Motors

      I usually don't write reviews but they went above and beyond to earn my business got me a great rate with local credit union....Boris told me up front I will fight to get you best rate possible and they are linked directly with lot of local credit unions. Over all I am a very satisfied buyer.

    13. buy here pay here Oakland dealer review by Laura Kessell

      Laura Kessell rated A Plus Tire & Wheel

      Yes, this is the place you are looking for! They pulled a nail out of my tire and added some sealant for $25. Last year they replaced a different tire for $100. So cheap, friendly and quick.

    14. buy here pay here Oakland dealer review by Samuel Arbizo

      Samuel Arbizo rated A Plus Tire & Wheel

      Been here a few times to have my tires installed after some major hassles with some big chain tire shops. The staff is friendly and helpful. They work hard and fast. I did buy my tires online and had them installed. They balanced them perfectly! The attendant also said he could give me the same or a better price next time.

    15. buy here pay here Oakland dealer review by Hoan Ho

      Hoan Ho rated One Toyota of Oakland

      Great experience with the place! Bought a certified used car, and they went above and beyond by miles to help resolve all the issues in timely manner. Luis Emerson was my sales manager who helped me with this transaction and he is one of the best ones I have had a chance to work with. Thanks Luis!

    16. buy here pay here Oakland dealer review by Michael Nelson

      Michael Nelson rated One Toyota of Oakland

      Buying a new automobile at One Toyota of Oakland was a very easy, smooth and pleasant (yes, pleasant) process. They have a sizable inventory for a buyer to peruse. I knew what I wanted and the sales manager I worked with (Francisco) showed me a number of vehicles that met my criteria. He showed me the vehicle that I had my eye on and explained everything that I needed to know about the car, its price and its accessories & operation. I took the car for a test drive and decided right then that I wanted that car. We went back to the showroom and started the process. From the time I parked my old vehicle in the customer lot until I drove the new one off the lot was less than two hours. Francisco handled everything and he was very friendly and professional. He knew what he was doing which made the process extremely smooth. I couldn't be happier with the entire transaction and needless to say I am very happy with my new car.

    17. buy here pay here Oakland dealer review by Edward Glass

      Edward Glass rated MobilityWorks

      Amazing what they do for people

    18. buy here pay here Oakland dealer review by Brian K. Hill

      Brian K. Hill rated MobilityWorks

      Great company doing big things in the WAV category

    19. buy here pay here Oakland dealer review by Romohree Howard

      Romohree Howard rated ANA Auto Sales

      Good people.

    20. buy here pay here Oakland dealer review by Aleks Limon

      Aleks Limon rated ANA Auto Sales

      I love the car I bought here! Very professional and an awesome car buying experience!

    21. buy here pay here Oakland dealer review by Dennis Richardson

      Dennis Richardson rated Oakland Mitsubishi

      Very helpful people here

    22. buy here pay here Oakland dealer review by Ron G

      Ron G rated Pick-n-Pull Cash For Junk Cars

      Good prices nice location pretty good selection of cars

    23. buy here pay here Oakland dealer review by Jenel Caldwell

      Jenel Caldwell rated Bay City Motors

      Bay City Motors is the first place we shop when we're in need of a quality used car/truck at a fair price. We bought a Chevy 1500 truck first, through Amy, and it was THE best truck. A few years later we gave the truck to a family member and came back to upgrade to a Chevy 2500, which has been AMAZING. It pulls our 5th wheel everywhere.      This week, we returned and bought a really nice 2010 Acura TL from Paula. Loving it!      We also brought our friend John there, and he bought 3 vehicles from them as well.      Their staff is very friendly, easy to work with, and I think they know their stuff when purchasing their stock.      Tip: We look on their website first, because the price for the same car/truck has been thousands less.

    24. buy here pay here Oakland dealer review by _BiG_RO_ Fitness

      _BiG_RO_ Fitness rated Bay City Motors

      Over all great experience. Thank you Bay city motors and Paula who was very helpful. She took the time to help me find the right vehicle and was also very informative and patient. My family and I were very pleased we ended up obtain 5 more cars after I got my Ford Fusion. Once again thank you Paula for all your help we will see you soon.

    25. buy here pay here Oakland dealer review by Denika Chatman

      Denika Chatman rated Auto Doctor

      The owner Joe is the best. Over the past decade I have purchased 4 cars from him. All foreign and they have all been the best cars that I've ever owned. I only purchase cars from him because I don't have to wonder the condition of the car and every vehicle has a car fax.

    26. buy here pay here Oakland dealer review by No strings On me

      No strings On me rated Auto Doctor

      I had an absolutely incredible experience working with Joe the owner. He helped me find a new car. He worked out an extremely reasonable deal with me to be able to get the car, work on the down payment, and set up a payment arrangement that I could work with. This man is a miracle and God sent.

    BHPH Oakland CA dealer

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