Top 12 Buy Here Pay Here Dealers in Oxnard CA

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

Connect with top 12 buy here pay here Oxnard CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Oxnard'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 Oxnard CA

  • Mercedes-Benz of Oxnard, CA

  • Alexander Hyundai of Oxnard, CA

  • Team Nissan, CA

  • Alexander Cadillac, CA

  • DCH Lexus of Oxnard, CA

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

  • Oxnard Auto Center, CA

  • DCH Audi Oxnard, CA

  • El Rio Auto Sales, CA

  • Vista Ford Lincoln Oxnard, CA

  • Oxnard Mitsubishi, CA

  • Did you know? These BHPH Oxnard 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 Oxnard 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.

  • DCH Toyota of Oxnard, CA

  • H & H Auto Center, CA

  • Why buy here pay here Oxnard 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 Oxnard 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 Oxnard 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 Oxnard CA Works

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

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

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

    While buy here pay here Oxnard 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 Oxnard 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.

    Oxnard CA buy here pay here Reviews

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

    1. buy here pay here Oxnard dealer review by Jonathan Garcia

      Jonathan Garcia rated Mercedes-Benz of Oxnard

      This review is long overdue... Great experience purchasing my 2018 Sprinter van last July. This was my first time buying a car from a dealership and I wasn't sure what to expect. I visited other Benz dealerships but once the salesmen knew I was interested in a Sprinter van, they weren't too interested in helping out. I eventually went to the Oxnard dealership and was allowed to test drive a van the same day. Jerry (salesman) gave me his card and told me to think it over, no pressure. We set up a meeting the very next day, worked out a deal, and got all the paperwork done within a few hours. A few months later when a DMV registration fee issue came up, Mike, the finance manager (I think), got everything cleared up and sent me a check to cover the registration fees. I was very impressed with both Jerry and Mike's professionalism and efficiency. 5 stars and would definitely come back to purchase another Benz!

    2. buy here pay here Oxnard dealer review by Maria Cruz Caldera Hernandez

      Maria Cruz Caldera Hernandez rated Mercedes-Benz of Oxnard

      Always great service.

    3. buy here pay here Oxnard dealer review by Kelsey Riemer

      Kelsey Riemer rated Alexander Hyundai of Oxnard

      Trying to update an older review but can’t find it: they more than made up for my less than great experience last time. They honored a free oil change they’d promised and were friendly and prompt. Good service on drop off! :)

    4. buy here pay here Oxnard dealer review by Savannah Chayse

      Savannah Chayse rated Alexander Hyundai of Oxnard

      The personnel is amazing! I needed an oil change and tire rotation. I had a coupon for $25 off they had sent me for Christmas. The man who helped me, Roland, was so personable and he explained everything to me. He showed me the prices and info on his computer, all the while keeping up a friendly conversation. When I got my car back, it was washed and fixed just like I needed it to be. I will definitely be going back for my next service!

    5. buy here pay here Oxnard dealer review by Maria  Cisneros

      Maria Cisneros rated Team Nissan

      Good service and selection. Salesman, Paco Mendez was super helpful and courteous. The Rogue is an amazing car that helps me on different activities throughout my week. I think I made a good decision by choosing it. Thanks Team Nissan for treating me like a family .

    6. buy here pay here Oxnard dealer review by Corey Johnson

      Corey Johnson rated Team Nissan

      I would like to give a special acknowledgement to Donald Reyes and the financing team at Team Nissan for really extending the foremost customer service then can even be expected. During my recent purchase of my second family vehicle purchased at Team Nissan, an unexpected emergency occurred which placed a tremendous financial strain upon our entire family. From the beginning of our emergency, Donald Reyes remained a calm and understanding voice who tremendously aided me towards the difficult decisions that needed to be made rather than abandoning me to figure it out myself. Through his reassurance, I managed to keep my vehicle and avoided the substantial penalties that could have resulted. What was an impossible situation was successful managed, and done so with character and class. Thank you Team Nissan your customer service is beyond par and I’m great full that I chose to do business at this establishment.

    7. buy here pay here Oxnard dealer review by Jacob Ludwig

      Jacob Ludwig rated Alexander Cadillac

      Great place, with a good selection of vehicles, the customer service is really great. Jacob, and Alex Magana are very knowledgeable and helped me with any question or concern I had. CT6 was very impressive. Definitely recommend!

    8. buy here pay here Oxnard dealer review by Douglass Kemp

      Douglass Kemp rated Alexander Cadillac

      Nieve (I hope I spelled it right) at the service counter is awesome. We had a coolant leak on our Chevy Sonic, and even though they don't sell Chevies, since they're GM and within walking distance of our house, they were able to get the water pump we needed.

    9. buy here pay here Oxnard dealer review by Jacob Ludwig

      Jacob Ludwig rated DCH Lexus of Oxnard

      Awesome customer service, Joel Castro was truly wonderful, and answered all my questions thoroughly. I definitely recommend this place, they make car shopping absolutely painless and simple!

    10. buy here pay here Oxnard dealer review by Salvador Gutierrez

      Salvador Gutierrez rated DCH Lexus of Oxnard

      Great dealership all around, from the sales department to the service department. I’ll recommend anyone to head out to DCH Lexus of Oxnard for your next vehicle purchase or lease. Thanks Lucas and Jaime for the exceptional service!

    11. buy here pay here Oxnard dealer review by Alejandra Diaz

      Alejandra Diaz rated Oxnard Auto Center

      Awesome. They have Great service. Frank and Glendy were amazing. Thanks Team Nissan.

    12. buy here pay here Oxnard dealer review by Raphael Trinidad

      Raphael Trinidad rated Oxnard Auto Center

      Great place to shop for cars and service

    13. buy here pay here Oxnard dealer review by McLain Neville

      McLain Neville rated DCH Audi Oxnard

      I went by to check out the new e-tron. I wasn't actually sure if it was available yet, but figured they would have a demo unit. Turns out they did, and I was helped out by Manuel Roa. He was incredibly nice, and very knowledgeable. That's quite impressive considering the e-tron is not only a brand new car, it's an entirely new type of car most salesman have never encountered. I'm a huge car nerd, and an EV car nut, but Manuel knew so much about the product, it made the whole experience that much better. He didn't pressure me into coming in and going over numbers, he just let me go through the car. I thought that was great and I can't recommend him or DCH Audi enough. I feel that I wouldn't be allowed to even breathe on an e-tron at Santa Barbara Audi or Rusnak Audi. If you're in the market for a new or used Audi head over to DCH Audi in Oxnard and ask to speak to Manuel Roa.

    14. buy here pay here Oxnard dealer review by Shep Roylance

      Shep Roylance rated DCH Audi Oxnard

      Even though they called me a ghost ? my wife and I enjoyed buying a car here

    15. buy here pay here Oxnard dealer review by Nancy Cantrell

      Nancy Cantrell rated El Rio Auto Sales

      This was the best car buying experience Ive ever had. The sales people, manager and owner are so helpful and informative. I will definitely be referring friends and family.

    16. buy here pay here Oxnard dealer review by Ernesto Estrada

      Ernesto Estrada rated El Rio Auto Sales

      super friendly, super helpful, overall? super service ? I recommend asking for Raul, he talked to me through the steps one by one, explained the charges, just wonderful customer service. 10/10

    17. buy here pay here Oxnard dealer review by Glen L

      Glen L rated Vista Ford Lincoln Oxnard

      I just purchased a 2020 F250. The transaction was simple. Over email i was able to identify the truck, make the financial deal and then came in to see it. They called me the day it came on the lot. The receptionist, sales person and finance manager were all great. They were professional, polite and answered my questions straight up. I was out the door in 2 hours max. Thanks!

    18. buy here pay here Oxnard dealer review by Tammie Declercq

      Tammie Declercq rated Vista Ford Lincoln Oxnard

      From salesmen to Finance manager were extremely helpful. They were honest and upfront about everything. They did what they said and did it in a timely fashion. Jacob Quintano Chris Belle Isaac in finance These gentlemen were so awesome. Truly the best car buying experience ever. Tammie Declercq

    19. buy here pay here Oxnard dealer review by Dave Cook

      Dave Cook rated Oxnard Mitsubishi

      This dealership is awesome. Very nice and professional! We were traveling out of state and they made sure we made it home safe. Thanks guys!!

    20. buy here pay here Oxnard dealer review by Kathia Mata

      Kathia Mata rated Oxnard Mitsubishi

      Awesome service, amazing cars, great location. I just got my new Mitsubishi Outlander Sport 2018!?

    21. buy here pay here Oxnard dealer review by Tricia Olivares

      Tricia Olivares rated DCH Toyota of Oxnard

      Fast, friendly and very efficient. Jasmine in the service department was very helpful and took the time to find the parts at the right price. In these uncertain times, she made my feel like an important customer and my business mattered. Thank you Jasmine and thank you DCH Toyota!

    22. buy here pay here Oxnard dealer review by Tim Peres

      Tim Peres rated DCH Toyota of Oxnard

      Drew is probably one of the best sales managers I have ever worked with. Oxnard Toyota is very lucky to have someone who treats their customers like gold. He's the best!! After several Tundras I think I got the perfect one.

    23. buy here pay here Oxnard dealer review by Steve Pena

      Steve Pena rated H & H Auto Center

      I've baughten 2 of my cars from them. They're the best. Ask for Franky he's the best salesman. And Lily can qualify anyone. ???

    BHPH Oxnard CA dealer

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