Top 7 Buy Here Pay Here Dealers in Oceanside CA

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

Connect with top 7 buy here pay here Oceanside CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Oceanside'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 Oceanside CA

  • Toyota Carlsbad, CA

  • Classic Chariots, CA

  • 5 Grand Autoland, CA

  • Mossy Nissan Oceanside, CA

  • Bob Baker Chrysler Jeep Dodge Ram Fiat, CA

  • Have you ever considered buy here pay here Oceanside 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 Oceanside CA compared to purchasing a vehicle through an individual or a private seller. The biggest difference between a Oceanside 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 Oceanside 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 Oceanside. Many people fail to take the time to do proper research when they are shopping for a vehicle. They either go with the first financing company that they see or end up getting sold a "bad credit borrower" vehicle.

  • The Truck & SUV Center, CA

  • Affordable Imports, CA

  • Why buy here pay here Oceanside 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 Oceanside 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 Oceanside 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 Oceanside CA Works

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

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

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

    While buy here pay here Oceanside 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 Oceanside 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.

    Oceanside CA buy here pay here Reviews

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

    1. buy here pay here Oceanside dealer review by Coco M

      Coco M rated Toyota Carlsbad

      Wonderful and easy shopping experience at Toyota Carlsbad. I traded in my 2017 Camry lease for a 2020 Tacoma and got exactly what I wanted at the exact price I wanted. Moe and Mandi are an excellent team of sales and finance that made it all happen. Moe is a passionate expert in Tacoma’s and helped me become even more knowledgeable on the current models. This was the second dealership I went to and wish I had saved time and came here first.

    2. buy here pay here Oceanside dealer review by Nikita Beznosikov

      Nikita Beznosikov rated Toyota Carlsbad

      Everything was perfect from 1 second. Everybody very respectful and nice persons. I wish all dealerships will be like this! Arrived at 5:15pm and left with new Rav4 leased at 7pm. Thank you so much guys!

    3. buy here pay here Oceanside dealer review by Joanne Gonzales

      Joanne Gonzales rated Classic Chariots

      Our daughter was in an accident in her 2003 Toyota Corolla that was considered totaled. We were so bummed as it was an awesome car and could have gone many more years. We went on Classic Chariots website and there was the perfect replacement...a 2007 Toyota Corolla with only 26,000 miles on it! We emailed that we were interested and within 5 minutes Daniel called me back. We test drove it that night. It was in excellent shape. We had our mechanic confirm it. We got the car for a great price. Daniel was great to work with and the financing went very smoothly. I highly recommend Classic Chariots.

    4. buy here pay here Oceanside dealer review by Tessa Schipul

      Tessa Schipul rated Classic Chariots

      I was in and out with a new car in 2 hours. I had a great experience with Shawn's assistance. My credit score was not the best, and they were able to not only get me a good deal, but the car that I wanted!!! Soooo happy with their service, and the car!! I HIGHLY recommend them if you are looking to get a car!

    5. buy here pay here Oceanside dealer review by Yvonne Rodriguez

      Yvonne Rodriguez rated 5 Grand Autoland

      Had the wonderful experience with the father of the owner of this company. He made me feel so welcomed and gave me all the information I asked for. He didn’t keep any information away from the car I wanted to purchase. Love that it is a Christian family owned company with so many generations under their belt. Thank you Mike.

    6. buy here pay here Oceanside dealer review by Mark Needham

      Mark Needham rated 5 Grand Autoland

      Awesome people, ask for paul,he is an honest awesome guy!!! Good selection of cars and great help in a convenient location right off coast highway

    7. buy here pay here Oceanside dealer review by Brienne Taylor

      Brienne Taylor rated Mossy Nissan Oceanside

      Melissa did an excellent job assisting me with my service last time I was in. She was proactive with updates on my vehicle and was willing to work with me on repairs. This was one of the best visits I’ve had with Nissan since I purchased my car. I like the new text message system that allows you to go in and choose which repairs you’d like to have done with the estimated cost. Thank you Melissa and the Nissan team! You guys are awesome.

    8. buy here pay here Oceanside dealer review by Alex Lastra

      Alex Lastra rated Mossy Nissan Oceanside

      I always have a great experience when I come service my car here. Complimentary snacks and drinks. They will give you a ride if you need one. They are the best here!

    9. buy here pay here Oceanside dealer review by Ted Morgan

      Ted Morgan rated Bob Baker Chrysler Jeep Dodge Ram Fiat

      My wife and I were referred by a friend and were a bit apprehensive, visiting this dealership for the first time. As promised, the Jeep we called about was out front, detailed PERFECTLY, and ready for us when we arrived. Sales Manager Leo Saad and Salesman Anthony Marinelli were very welcoming as were the rest of the staff. They made us feel like VIP's throughout the entire process. Bob Baker not only located the exact make/model/trip/color we wanted but they gave us a very fair deal and followed through on every promise. They also offered some very valuable options to protect our investment in every way, at a very reasonable rate. I was very impressed by their selection of vehicles as well as unlimited access to various makes/models/trims through their relationships with other dealers. Go to Bob Baker and tell them what you want, even if you see it at another dealership. You'll be happy you did and thoroughly enjoy the Bob Baker experience!

    10. buy here pay here Oceanside dealer review by Michael B

      Michael B rated Bob Baker Chrysler Jeep Dodge Ram Fiat

      For once I felt confident buying my Jeep from Mr.Robert Marrow. Thank you Robert, thank you!! No games, honest, Caring. I made a new friend also.

    11. buy here pay here Oceanside dealer review by Zach Gardiner

      Zach Gardiner rated The Truck & SUV Center

      Excellent service and reliable, great-quality automobiles at very reasonable prices. Sam is a good person to buy a used car from.

    12. buy here pay here Oceanside dealer review by Barbie Scheurenbrand

      Barbie Scheurenbrand rated The Truck & SUV Center

      Very professional staff here. Nice selection of vehicles for sale.

    13. buy here pay here Oceanside dealer review by Daniel Morrison

      Daniel Morrison rated Affordable Imports

      Andy is amazing! While other dealerships were saying no, Andy worked for hours to get our deal done. We now have a beautiful car thanks to him! Andy was honest and very upfront about the entire process. Thank you Andy for your exceptional customer service and for giving second chances!!

    14. buy here pay here Oceanside dealer review by Jen  Robbins

      Jen Robbins rated Affordable Imports

      My husband and I bought a gorgeous 2008 Acura RDX Turbo SUV from Andy and couldn't be more pleased with the entire experience! He was very helpful, knowledgeable and really worked to get us exactly what we wanted! Thanks Andy!

    BHPH Oceanside CA dealer

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