Top 15 Buy Here Pay Here Dealers in Ontario CA

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

Connect with top 15 buy here pay here Ontario CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Ontario'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 Ontario CA

  • Malkanis Motors, CA

  • DriveTime Used Cars, CA

  • Jauregui Imports, CA

  • STG Auto Group of Ontario, CA

  • Metro Honda, CA

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

  • SoCal Auto Auctions, CA

  • CarMax, CA

  • Carvana Ontario, CA

  • Mark Christopher Auto Center, CA

  • Corona Motors, CA

  • Did you know? These BHPH Ontario 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 Ontario 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.

  • Jeep Chrysler Dodge RAM FIAT Of Ontario, CA

  • So Cal Motors, CA

  • Brooks Auto Center Inc, CA

  • Zacatlan Motors Used Car Dealer, CA

  • Fiat of Ontario, CA

  • The phrase buy here pay here Ontario 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. Ontario 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.

    Why buy here pay here Ontario 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 Ontario 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 Ontario 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 Ontario CA Works

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

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

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

    While buy here pay here Ontario 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 Ontario 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.

    Ontario CA buy here pay here Reviews

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

    1. buy here pay here Ontario dealer review by Tosze Williams

      Tosze Williams rated Malkanis Motors

      The owner of the shop was very polite and professional as could be. I bought a Honda Accord coupe with only 62000 miles on the car. He worked with me far as reasonable down payment. I felt he gave me a great deal and me and my mom was very pleased. I would highly recommend him.

    2. buy here pay here Ontario dealer review by Manny Calderon

      Manny Calderon rated Malkanis Motors

      Ahsam offer me a great deal, kept his word on the price. Excellent service and great attitude could give more stars if this review would let me do it. I'm very pleased Thank you so much.

    3. buy here pay here Ontario dealer review by Jason Alley

      Jason Alley rated DriveTime Used Cars

      After getting kicked around and not treated well at other dealerships, this place was a breath of fresh air! They put a competitive reasonable price on the car to begin with. No arguing was needed. They didn’t try to push us into upgrades. They were kind, courteous, fast, and honest. This is a unique constellation amongst car dealers. We are moving, so we won’t be in the area to buy another car from this particular store again, but the next time we buy one, it will be from a drive time! Ask for Terri. She was amazing.

    4. buy here pay here Ontario dealer review by Rene Molina

      Rene Molina rated DriveTime Used Cars

      I definitely recommend DriveTime! The process is easy and the staff is kind and friendly. Marco Ramirez was our salesman and he went above and beyond to help us find the car we desired. They answer any questions you might have and make sure you leave satisfied. This place will not disappoint you, we left as happy customers with a great car!

    5. buy here pay here Ontario dealer review by Google User

      Google User rated Jauregui Imports

      I give Jauregui a FIVE STARS for their honesty. Very upfront salesman to guide us through our sale.

    6. buy here pay here Ontario dealer review by Google User

      Google User rated Jauregui Imports

      Was a good experience. We reach an agreement on price and they included detailing before we left. WE will be back next time for another car.

    7. buy here pay here Ontario dealer review by Ladrina Garcia

      Ladrina Garcia rated STG Auto Group of Ontario

      Chris was a delight to work with! He made us feel at home and the experience a pleasurable one. Neither myself or mom enjoy the car buying process but he made it easy and fun. The dealership is an inviting atmosphere with a great selection of cars. Very friendly staff. Thank you so much, Chris!

    8. buy here pay here Ontario dealer review by Robert B.

      Robert B. rated STG Auto Group of Ontario

      Mark Habib worked out an acceptable price with me and I'm no push over. He never showed displeasure at my low offers because you can ask to buy a car for $10 because it's a free country and it's just business. And since Mark didn't pressure me into the sale, I loosened my top shirt button and together we found an acceptable price on each side. Mark is an asset to STG. Don't lose him.

    9. buy here pay here Ontario dealer review by Vanessa Valenzuela

      Vanessa Valenzuela rated Metro Honda

      I recently came in here to get a new accord! Jimmy worked well with us to help bring me to a comfortable and affordable monthly payment. I would 10/10 recommend coming here!

    10. buy here pay here Ontario dealer review by C Pot

      C Pot rated Metro Honda

      Please buy your car here. I went to Oceans Honda in Whittier and they could not give me the best price and the guy was unprofessional. I was refferred by my buddy to come to Metro Honda and I met Sunday. Sunday took care of me and communicated with his boss to make sure I get a car in my price range. He was professional and made purchasing a car fun. My payments are affordable and they gave me a free oil change. Go ask for Sunday...he will take care of you.

    11. buy here pay here Ontario dealer review by Kae

      Kae rated SoCal Auto Auctions

      Lady in check in is so nice and really explained the protocol and fees correctly. Ended up buying the c350 Benz! Low miles, perfect interior and exterior just a slight crack in windshield! Process simple and easy! Definitely will be back.

    12. buy here pay here Ontario dealer review by Jacklyn W

      Jacklyn W rated SoCal Auto Auctions

      We are out here just checking out which kinda cars they auction off. In the front Lily explains everything clearly, so you understand how things go. I was happy to see a taco cart and surprised to see lots of German cars and lots of cheap cars! ?

    13. buy here pay here Ontario dealer review by Ron & Arvee

      Ron & Arvee rated CarMax

      I traded in my 2015 Honda odessy and Kelly blue book was quoting me 11K - 12K. CarMax gave me 14K for it. It was amazing, plus the service was great. No hassle, quick and easy. I stopped in just for the appraisal, which I was already really happy with. Then the next day I sold the car to them and was in an out in less than an hour. They are the best, would go back again!

    14. buy here pay here Ontario dealer review by Josie De Jesus

      Josie De Jesus rated CarMax

      I was in and out with no problems, my sales lady was amazing thank you so much Kerri Kramer. I love my car ?

    15. buy here pay here Ontario dealer review by Eric&Lorena Almanza

      Eric&Lorena Almanza rated Carvana Ontario

      Awesome experience!! Love the whole process. Loved the fact that we didn’t have to deal with sales people. We just went and picked up our van, the person that walked us thru the process did an amazing job, his name is Joseph. He was very helpful and answered all our questions. He went as far as decorating our van with Christmas decorations. Definitely went above and beyond. Great customer service, will definitely recommend.

    16. buy here pay here Ontario dealer review by Matt Ziebarth

      Matt Ziebarth rated Carvana Ontario

      This is the best car selling experience you will ever find. I will sell all of my cars here going forward.

    17. buy here pay here Ontario dealer review by Jennifer Lizarraga

      Jennifer Lizarraga rated Mark Christopher Auto Center

      I have to say I was and continue to be blown away by the customer service Robert has provided for us. I really wish every single person I come in contact with at a service dealership provided exactly the service he has for us. He has made this a great experience. He definitely represents and stand for his name and the company he works for. He’s very attentive, communicative, honest and cares about his customer. Thank you so much Robert, grateful for the service and time.

    18. buy here pay here Ontario dealer review by David Gallup

      David Gallup rated Mark Christopher Auto Center

      My fiance and I took our Buick in for an oil change. Timing was awesome they had us in and out within about an hour and 15 minutes. We have been here before. Really good service and staff. We will be back to have our brakes done in a feel weeks. Thank you Mark Christopher..

    19. buy here pay here Ontario dealer review by Shannon Rideout

      Shannon Rideout rated Corona Motors

      I have been looking for a car for about a month I saw the car I wanted on offer up I sent a message over to Corona motors and Amir Said I can come in right away I was able to see the car drive the car and purchase the car Amir was very friendly and helped me get the best deal!!! I will be recommending this car dealer to friends and family. Also I will go there for future purchases.

    20. buy here pay here Ontario dealer review by Charles S

      Charles S rated Corona Motors

      So lets start at the beginning, I talked about a couple truck there and the gentleman on the phone was very helpful on what was available and details on them and what was already sold. We went down there to look at a truck but it wasn't quite what we were looking for. So Amir told me they would be getting in somemore soon. We keep in touch and also checked their website and found two that would work for us so we made another trip and finally picked out a nice truck that fit what were looking to do with it(slide in camper). They even took truck to upholstery shop to replace leather on arm rest. So the check engine light came on and they called me before we were to pick it up, they took it to repair shop and the turbo was replaced. We finally picked it up and we are extremely pleased with truck and all the staff at Corona motors. Its very rare to find honest car dealerships anymore. If you looking for a good truck or car you need to check this dealership first. Thank you Amir.

    21. buy here pay here Ontario dealer review by Joel Vargas

      Joel Vargas rated Jeep Chrysler Dodge RAM FIAT Of Ontario

      My wife and I have never been here, but we bought a car with the help from Freddy Arvayo. My wife and I had been searching for a new Jeep SRT. I found one on the Kelly Blue Book site and decided to call the advertising dealership. I was pleasantly surprised to find a knowledgeable and friendly voice on the other side of the call. Freddy played no games and was willing to take us seriously. Not only did he sell us the car, but he had a nice young lady even deliver it to our home about 30 miles away. This was above and beyond! It's been almost two weeks and we are extremely happy with our purchase and the way the sale was handled. Thank you JCDRF of Ontario!

    22. buy here pay here Ontario dealer review by Leah Moore

      Leah Moore rated Jeep Chrysler Dodge RAM FIAT Of Ontario

      I had 3 recalls on my car. I originally had an appointment at the Dodge in Anaheim and had the worst experience. So I made an appointment at the Dodge in Ontario. They set my appointment and told me it would take a few hours to get everything fixed. Brittany was my rep. She was very friendly and they were able to get me in and out. Great customer service! Would definitely return and refer others!

    23. buy here pay here Ontario dealer review by Julie Solorio

      Julie Solorio rated So Cal Motors

      Great customer experience! Loved the way they work with you and try everything they can do to ensure you walk away with the car you want and payments you can afford. I will definitely recommend this dealership!! Everybody that comes here will be happy!

    24. buy here pay here Ontario dealer review by Donald Johnson

      Donald Johnson rated So Cal Motors

      THIS PLACE IS AWESOME!!!!! First and foremost I want to thank Moe and Irvin for working with me to get my dream car. I also want to thank them for keeping their word on a few things they promised me. I know some of the reviews talk bad about this place, but They are really good people. I would definitely recommend So Cal Motors to anyone. Thanks SO CAL MOTORS for making my dream come true. GOD BLESS!!!! ?

    25. buy here pay here Ontario dealer review by Miguel Villegas

      Miguel Villegas rated Brooks Auto Center Inc

      Good people & place to buy a car and stablish credit. Just don't buy extra protection insurance for car. Trying to get something cover or replaced they will not pay it if you don't show receipts or records of oil change and any other maintenance that is required every certain miles or time. Red shield protection plan not worth it!

    26. buy here pay here Ontario dealer review by christa moore

      christa moore rated Brooks Auto Center Inc

      Joe and Sam are amazing. Flew in from AZ and they were gracious enough to pick me up from the airport and made the process smooth. The Lexus would have been much more expensive in AZ and I love love love my beautiful clean new car.. Even better in person. I will be a life long customer.. Their service and cars are impeccable. I would give them 10 stars but only 5 were available so a very satisfied customer. Thanks so much for supplying f my dream car

    27. buy here pay here Ontario dealer review by Claudia Rojas

      Claudia Rojas rated Zacatlan Motors Used Car Dealer

      I didn't think I'd come to get anything but turns out I came here to get my first car. they are very nice and friendly, they talked me into gettting a really good car. Absolutely great.

    28. buy here pay here Ontario dealer review by Acsg Castillo

      Acsg Castillo rated Zacatlan Motors Used Car Dealer

      We were recommended to Glenn and Adan at this fine establishment by my cousin. She has purchased two cars with them before. Has had no issues and told me i should stop by.We had been all over the place looking to get financed and had no luck, with a BK on our record and little down. We decided to stop by and see if he could help and boy did he help us! No only did he get us financed at a low rate, he also gave us a very good deal and even lowered our down payment as we signed paper work!! The best part of all is that since we had to wait a few days for the banks approval he loaned us a car for a few days so we could get to work & back! Not a lot of people do things like that on a regular basis. Glenn was great, honest and upfront. Didn't waste our time or try to make us fall in love with something we couldn't afford. We have already recommended him to all our friends and neighbors and will definitely buy from him again in the future. THE BEST USED CAR LOT EVER!!! thanks Glenn!!!!

    29. buy here pay here Ontario dealer review by Giorgian Beliciu

      Giorgian Beliciu rated Fiat of Ontario

      The best dealership on this side of the continent

    30. buy here pay here Ontario dealer review by Robin Lynn Grizzle

      Robin Lynn Grizzle rated Fiat of Ontario

      Actually looking at Dodge. Oscar was very helpful. Go see him

    BHPH Ontario CA dealer

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