Top 9 Buy Here Pay Here Dealers in Orange CA

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

Connect with top 9 buy here pay here Orange CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Orange'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 Orange CA

  • Auto Republic – Orange, CA

  • Lincoln South Coast, CA

  • Weir Canyon Acura, CA

  • Toyota of Orange, CA

  • David Wilson’s Villa Ford, CA

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

  • Mazda of Orange, CA

  • CarMax, CA

  • Auto Republic Cypress, CA

  • Auto Republic Fullerton, CA

  • Why buy here pay here Orange 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 Orange 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 Orange 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 Orange CA Works

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

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

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

    While buy here pay here Orange 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 Orange 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.

    Orange CA buy here pay here Reviews

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

    1. buy here pay here Orange dealer review by Karen Flores

      Karen Flores rated Auto Republic – Orange

      I first spoke with Bill through the phone. He answered my questions before going to the location. I searched first through the website and went to all of their locations but this one was the one. Bill greeted us. Made it easy and understanding. I appreciate it. Thank you the team of Auto Republic- Orange

    2. buy here pay here Orange dealer review by BigMama Jama

      BigMama Jama rated Auto Republic – Orange

      Mike has a great team over there, I think I was one of the first sales on this new lot. They helped me get into my dream car (FJ) and saved me some money on an upgrade.

    3. buy here pay here Orange dealer review by Erin Garcia

      Erin Garcia rated Lincoln South Coast

      My husband and I searched many dealers before finding the right car. My new Lincoln Aviator is beautiful and I am so happy with it!! However the experience we had at this dealership was just as great as the car itself! Bruce our salesman was knowledgeable, kind, patient all the things you would want in a salesman. Everyone at the dealership was wonderful from the manager to sales to financing. Although it is not the closest dealership to my house we will take my car for all services and issues because they are wonderful to work with!!!

    4. buy here pay here Orange dealer review by Glen Martin

      Glen Martin rated Lincoln South Coast

      Our experience was exceptional! I contacted Bruce Bender and explained that we had a bad experience at our local dealer but I noticed they had a Lincoln Navigator with all the features we wanted. Since we were making a trip to Newport Beach we scheduled a time for a test drive. Unfortunately, I realized the vehicle we wanted didn't have the trim package we were expecting so we had to return home empty handed. However, Bruce searched other dealers and found the vehicle we wanted and sent us a copy of the window sticker. We gave him the green light and they took care of everything including delivering our new navigator to our house in Palm Springs! Carmen did an amazing job detailing the financing options showing various extras such as extended warranty, etc and the effects on our payments.

    5. buy here pay here Orange dealer review by Rohit Sharma

      Rohit Sharma rated Weir Canyon Acura

      Weir canyon Acura provide best customer service. Dealership is very clean and provide free water bottles and coffee. Mr Ed Moshabad helped us with great knowledge and skills. He is very friendly and has great sense of humor. I really appreciate for his help. And giving 5 star to dealership. I will recommend him and will shop there in future. Thanks again Mr Ed.

    6. buy here pay here Orange dealer review by Vivian Hermiz

      Vivian Hermiz rated Weir Canyon Acura

      They were so lovely to work with. I was able to negotiate the price & terms based on their offerings online and once I made the appointment to come in everything went really smoothly. I had shopped around other Acura dealership and was so surprised how they insisted I had to come in to negotiate. I came to Weir Canyon for the customer service experience which was as stress-free as a car buying experience can be. Even the friend that came with me expressed how impressed he was and he used to work in a dealership decades ago. Thanks all!

    7. buy here pay here Orange dealer review by Maria Pinelli

      Maria Pinelli rated Toyota of Orange

      My old car had caught on fire and was a total loss. I did not have the time/patience to go around to different dealerships, so I contacted AAA and they recommended I try Toyota of Orange. The dealership assigned me a sales person and they knew exactly what I was looking for (from my conversation with AAA). I went in, we talked numbers and quickly took a look at a few cars. It was late and I left them to finish the numbers and advised I'd be back in 2 days to make a final decision based on what they brought to the table. Two days later I received a call with exactly what I was hoping to hear. I got the car I wanted at the price range I needed. I was thrilled at how easy and quick it all was. Everyone was friendly, professional and accommodating. I know I will recommend them to anyone that needs a car and I'll continue to do business with them in the future. Thank you Toyota of Orange.

    8. buy here pay here Orange dealer review by Sierra Peterson

      Sierra Peterson rated Toyota of Orange

      We came to this dealership because they had the vehicle we wanted in the color we wanted, and they were responsive to our inquiries. Upon arrival we received excellent service from kind salespeople. The buying and financing process was easy and painless with the friendly people. The saleswoman helped us set up the car audio and make sure we knew what all the functions were before we left the lot. We would have appreciated some follow up from the team within the week following our purchase which we never received, but other than that our experience was good!

    9. buy here pay here Orange dealer review by Veronica Talingo

      Veronica Talingo rated David Wilson’s Villa Ford

      The customer service at Villa Ford is outstanding. Whether you are buying a new car or bringing in your car to service, there employees do such and amazing job, and always make you feel at home. When it came time to buy myself a new car I chose Villa Ford for that reason. I’ve now taken my car in to service a couple of times and evertime it’s been a great experience.

    10. buy here pay here Orange dealer review by H DLT

      H DLT rated David Wilson’s Villa Ford

      Friendly staff. Great variety of vehicles. Awesome lounge with TVs and cappuccino machine. Jerry got me a super deal on my new ride. Located right off the 55 freeway.

    11. buy here pay here Orange dealer review by Zulma Arizmendi

      Zulma Arizmendi rated Mazda of Orange

      I actually wasn't looking to buy a car. I just took in my car to get serviced. I ended up trading in my current Mazda M3 for a newer, upgraded M3. I drive a lot so even though my car was only 3 years old it had close to 49,000 miles on it. But I got a phone call from Al Tehrani who made the magic happen and I ended up with a new car thanks to Al! He even helped me with my settings on my new car and was incredibly patient and non pushy. Will come back to him again. And I recommend to my friends.

    12. buy here pay here Orange dealer review by Nice Villaverde

      Nice Villaverde rated Mazda of Orange

      Had a great experience with Mazda of Orange! Gabino Luna is the best! He's very nice, accommodating, and really made everything so easy for me! I highly recommend him!

    13. buy here pay here Orange dealer review by John Pilger

      John Pilger rated CarMax

      Great experience buying a car at CarMax Irvine. Attentive (but not oppressive) sales staff. Very good price on a very good car. I will definitely come back to this store in the future. Amazing breadth of inventory from which to select your next car.

    14. buy here pay here Orange dealer review by Robert Navarro

      Robert Navarro rated CarMax

      James at the Irvine store was a pleasure with whom to work! He quickly located a great alternative to the vehicle my wife and I came to see as it was no longer available. He secured another car nearly identical to what I sought and although I had not intended to buy a car that day, we drove it home.

    15. buy here pay here Orange dealer review by Erik Johnson

      Erik Johnson rated Auto Republic Cypress

      This review is looooong overdue! I’ve been coming here for over 10 years now. I’ve purchase 3 Lexus’s from here and I’ve referred at least 6-7 people here. I’ve always purchased Lexus, but my referrals have bought BMW, Honda and Infinity. ALL of these cars have turned out great. Never had ANY problems mechanically when I buy from them. The worst thing that happen was that the battery died in the first week on 2 purchases, but management was understanding that cars sit and it could take a toll on battery’s life span. So they replaced it with a standard battery (I personally paid for the higher quality). My ONLY recommendation to management is try to minimize employee turn over. You have a great product and you’re honest small dealer! Why is it hard to retain people? I know in the end, I’m there for the car and if it runs good...I’ll always keep coming back. However, it’s nice to see a familiar face.

    16. buy here pay here Orange dealer review by Daniel Soliz

      Daniel Soliz rated Auto Republic Cypress

      Called about a car I saw on CarGurus, Juan answered quickly and helped me set up an appointment for the car I was interested in. Came in next day and immediately test drove the car, car was great, great condition and like new. Within half an hour I was signing for the car. This was the fastest and most hassle free car buying experience I've ever had. They provided reasonable financial options within minutes. If you are interested in any of their cars, call these guys. Ask for Juan. 10/10 experience.

    17. buy here pay here Orange dealer review by Priscilla Rodriguez

      Priscilla Rodriguez rated Auto Republic Fullerton

      Chris is amazing took his time helped us get the best price and interest love my Chevrolet Traverse !!!

    18. buy here pay here Orange dealer review by Mauri Corey

      Mauri Corey rated Auto Republic Fullerton

      Very helpful, very professional and very straightforward. Andre and Harold were definitely amazing and instrumental in getting me the car I wanted for an extremely reasonable price. I was in and out of there in 2hrs. I will definitely recommend them to everyone I know 10/10 service

    BHPH Orange CA dealer

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