Top 20 Buy Here Pay Here Dealers in Roseville CA

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

Connect with top 20 buy here pay here Roseville CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Roseville'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 Roseville CA

  • Enterprise Car Sales, CA

  • Gary’s Auto Sales, CA

  • Beck’s Auto Sales, CA

  • I-Deal Cars, CA

  • Roseville Toyota, CA

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

  • CarMax, CA

  • Roseville Hyundai, CA

  • JustBetterCars.com, CA

  • Capciti Auto, CA

  • Triple Crown Auto Sales, CA

  • Did you know? These BHPH Roseville 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 Roseville 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.

  • Roseville Automall, CA

  • AutoNation Chrysler Dodge Jeep Ram Roseville, CA

  • Roseville City motors, CA

  • Automotion, CA

  • Hertz Car Sales Roseville, CA

  • The phrase buy here pay here Roseville 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. Roseville 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.

  • Armani Motors, CA

  • Hayes Auto Sales, CA

  • Hayes Auto Sales, CA

  • Roseville Auto Sales, CA

  • S & S Auto, CA

  • Why buy here pay here Roseville 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 Roseville 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 Roseville 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 Roseville CA Works

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

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

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

    While buy here pay here Roseville 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 Roseville 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.

    Roseville CA buy here pay here Reviews

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

    1. buy here pay here Roseville dealer review by Note To Self

      Note To Self rated Enterprise Car Sales

      First time in my life of experiencing buying a car without the feeling of being ‘hustled’! The team at Enterprise Car Sales - including Chris, Jesus, Clay, Dustin, Ryan - were a pleasure to work with. Very helpful to be able to try out a range of different vehicles in a low pressure environment. We took our time, checked out cars at other local dealers over the course of a couple of weeks, then circled back to Enterprise. The financing process was straightforward and clear, made relatively easy through a well organized presentation and signing of docs. After we drove the car off the lot - during the 7 day return period - I wanted to make a change to extended warranty coverage and also have the vehicle alignment double checked. No problem. Everything was taken care of efficiently and professionally. When the time comes to buy another car, we’ll definitely be coming back to Enterprise.

    2. buy here pay here Roseville dealer review by Lidia Stidham

      Lidia Stidham rated Enterprise Car Sales

      Jimmy Katumba made our experience so comforting. I was very nervous walking in. Having to take on a car payment after 6 years of no car payments was hard for me. Jimmy and the finance manager who assisted us with the process were both extremely thorough, helpful, positive, understanding and patient with us through the whole process. We left there feeling confident with our decision to move forward with our purchase. We are very happy! Thank you, Jimmy and team at Enterprise!

    3. buy here pay here Roseville dealer review by scott massey

      scott massey rated Gary’s Auto Sales

      I normally never write reviews but Gary hands down is the the best used car dealer In California. I drove all the way from san jose to buy my 2003 Ford Expedition that runs flawlessly and the love Gary and his staff showed me was exceptional. TRUST ME WHEN I SAY THAT YOUR NEXT CAR HAS TO BE FROM HERE EVEN IF YOU HAVE TO DRIVE A COUPLE HOURS. ALL CARS ARE QUALITY NO BS. THANKS GARY.

    4. buy here pay here Roseville dealer review by Jordan Eklund

      Jordan Eklund rated Gary’s Auto Sales

      Great people that really want to help! I bought my 2002 Tacoma from them. John was super helpful. They were flexible on the price and made sure I was happy. John even drove the truck home for me. Highly recommend Gary's Auto sales.

    5. buy here pay here Roseville dealer review by David & Jinne Calvi

      David & Jinne Calvi rated Beck’s Auto Sales

      I’ve bought 6 cars from the guys. They are like the big brothers you take when you look at used cars. Knowledgeable and reasonable. Because they swap out all the parts, including timing chains, their cars last for years!!

    6. buy here pay here Roseville dealer review by Andrew Nickens

      Andrew Nickens rated Beck’s Auto Sales

      Excellent service. I took my Honda civic in that I bought nearly a year ago and they fixed it on the spot, no charge. Great vehicles for honest prices. Awesome for a first time buyer.

    7. buy here pay here Roseville dealer review by Sam

      Sam rated I-Deal Cars

      Just bought my 2nd truck from these guys. 1st one ran great, ended up selling it after it was all paid up. Then got back into another one through these guys. They're honest, and will definitely help you with anything after the purchase as well so they follow through. I didnt notice that my passenger front window didnt roll up all the way, along with the rear passenger window not staying rolled down somehow, and some sort of cleaning powder shooting out of the vents. Well 2 days after I bought it, I brought it in on MLK Day after making a quick call to inform them and they had their mechanic next door fix it in just hours by replacing parts as needed. I've worked with all 3 of them and this place is the only place I plan to go to anytime in the future for purchases.

    8. buy here pay here Roseville dealer review by Enos & Levi Yoder

      Enos & Levi Yoder rated I-Deal Cars

      Best place to buy a truck. These guys will treat you fair. And provide great service. The most comfortable spot to buy a car

    9. buy here pay here Roseville dealer review by Kenneth Corbitt

      Kenneth Corbitt rated Roseville Toyota

      Our salesman Vang Vu made for a very pleasant experience. He was very knowledgeable about the car we were purchasing. Not pushy and very attentive. I recommend letting him help you with finding the car you need. The finance guy Howard was busy with about 6 deals but he made sure to give the attention needed and really put in some work to help us out. I recommend Roseville Toyota for your next car purchase.

    10. buy here pay here Roseville dealer review by Jamie Edwardsalmeda

      Jamie Edwardsalmeda rated Roseville Toyota

      Feels like family no haggling just stress free car buying love love honest good sales guy Al Mason and Peter and Jeff are all amazing thank you for making our dreams come true got the Challenger and just got our charger. At a great fair price

    11. buy here pay here Roseville dealer review by Debra Marsan

      Debra Marsan rated CarMax

      Oh I love this place.purchased 4 cars from the Roseville location! They have absolutely awesome service. It doesn’t matter what your color is either. Everyone there is kind and gives great customer service. I read the review of the gentleman who felt they were being rude to someone because of his color. Unbelievable! Put on your big boy panties. Grow up. I’m so sick of everybody playing the victim. I’m sure it had nothing to do with your possible bad attitude. If you want to be treated with respect you have to give respect. You have to keep blaming everyone nowadays for something that happened over 200 years ago. You can always leave the United States and find another place to live. We won’t miss you.

    12. buy here pay here Roseville dealer review by Nancy Bodenhausen

      Nancy Bodenhausen rated CarMax

      The experience was awesome. Quick, efficient, but not rushed. I felt good because CarMax could evaluate my car and decide a fair price and there was no pressure to make a quick decision. It must be working well for them as well as us because their facility looked really expensive. A win-win.

    13. buy here pay here Roseville dealer review by Edward ThunderHorse Wenner

      Edward ThunderHorse Wenner rated Roseville Hyundai

      Rob is the best service consultant I’ve ever dealt with. He’s right on top of everything I need for my new car. Highly recommend this team. They go above what others do, and it standard for them.

    14. buy here pay here Roseville dealer review by Stacy Creed

      Stacy Creed rated Roseville Hyundai

      Jenny was very knowledgeable. There was no pressure to purchase. Jenny took time to listen to our needs. We appreciated dealing with one salesperson rather than being passed off from one to another. We got a ripping deal, and we'll leave with a big smile on our faces!

    15. buy here pay here Roseville dealer review by Svetlana Pavlov

      Svetlana Pavlov rated JustBetterCars.com

      Bought a truck back in September, ended up needing some front end work after the purchase was made. We got contacted by Tony we showed him what was done to the front end by another shop not thinking about bring it back to the dealership we purchased it from. We brought the old parts to the dealership to have them inspected. After having a great sit down meeting with Tony he was more then willing to help with the repair of the truck. We are very happy with the purchase of this vehicle and knowing how well thing places takes care of its customer we will be glad to come back for a future purchase. Thank you Tony for making us feel like a valued customer.

    16. buy here pay here Roseville dealer review by Susanna Wright

      Susanna Wright rated JustBetterCars.com

      Chris is my hero for selling me a car of my dreams. I love this dealership, and my new car! My salesperson Chris was kind, and helpful. I drove two hours to buy a car there that I saw advertised online for a very good price. A early graduation present from my grandma!!! She's also so happy I got this car so I can have dependable transportation for myself and my children. I drove there in an 2003 Ford Taurus with 187,000 miles that I bought cash a year ago, (that my kids completely destroyed the backseat), and I was able to trade it in, I drove home in a 2014 Chevy Sonic with only 65,000 miles. Super clean!!! This car will not have food in it to keep it this one clean for sure! I'm so proud of it. Thanks again Chris!!! Nice to have a kind hearted, honest, caring car salesman. I saved a bundle by driving the distance to this dealership. I plan to come back in 5 years and get an even newer car there!

    17. buy here pay here Roseville dealer review by Rebecca Oestreich

      Rebecca Oestreich rated Capciti Auto

      Best auto buying experience ever!!!!! We will be back again and recommend to family and friends !!!!! I found the truck we wanted on his website we showed up and bought it in less than an hour no hassling no BS just an honest clean well running truck this is the best buying experience I've ever had we will be back and we will recommend to friends and family

    18. buy here pay here Roseville dealer review by Jasmine Hughes

      Jasmine Hughes rated Capciti Auto

      This place was the best car buying experience I ever had! Ricky was an amazing car salesman that showed genuine customer service. Even communicated with me all the way from Tahoe and they were true to make sure I had guarantee satisfaction! Great miles and the perfect car for me! I will be referring all my friends to come check you guys out! Your guts are the best!!!!!!!!!!!!!

    19. buy here pay here Roseville dealer review by Chloe Myburgh

      Chloe Myburgh rated Triple Crown Auto Sales

      I bought my first car as a 19 y/o here! The service and staff are impeccable. Cars are in great condition. The staff helped me find the best options for my needs/wants. Thank you for being the best possible place to purchase a used car. I’ve already recommended to friends and family! 10/10

    20. buy here pay here Roseville dealer review by CB Horton

      CB Horton rated Triple Crown Auto Sales

      Great team. No pressure, no hassle great prices with quality vehicles! Digging my new truck.

    21. buy here pay here Roseville dealer review by Natasha Brown

      Natasha Brown rated Roseville Automall

      The service was great from start to finish. GO see Amit, he will help you as much as he can. The whole team was just wonderful. They gave us some delicious cookies also.

    22. buy here pay here Roseville dealer review by Tommy Cline

      Tommy Cline rated Roseville Automall

      Oil change was fast and simple. John was great and didn't try to sell me something I didn't need. Highly recommend this location. Awesome displays of New Vehicles as well, very tempting ?

    23. buy here pay here Roseville dealer review by Elsonian K

      Elsonian K rated AutoNation Chrysler Dodge Jeep Ram Roseville

      Wilbert Winchester, Internet Sales Manager. Highly recommend this agent for meeting customer service in front of sales. Pleasant transaction for my sons first car.

    24. buy here pay here Roseville dealer review by Regina Blissett

      Regina Blissett rated AutoNation Chrysler Dodge Jeep Ram Roseville

      Needed Express service oil change and tire rotation. I was promptly greeted by a customer service representative -Shawn- and processed into the system. The waiting area is nice with a television, coffee and snack machines. I really like that I could watch all the work being done on my vehicle as there is a direct view from the waiting area. They were timely, professional and prompt. I had a GREAT EXPERIENCE!!

    25. buy here pay here Roseville dealer review by dale mcafeee

      dale mcafeee rated Roseville City motors

      Family owned and operated seems to be a good spot.

    26. buy here pay here Roseville dealer review by Alex Hernandez

      Alex Hernandez rated Roseville City motors

      Great Customer Service! Tony worked with me and helped me out. I bought a Nissan 350z from them and they worked with the price. Asked for a good payment and they helped me out with it. Highly recommend this dealer when you are shopping for a car in Roseville.

    27. buy here pay here Roseville dealer review by Jason Solich

      Jason Solich rated Automotion

      Nice lot, soon as I got there, got right to business. Was able to buy a dream car of mine. Very flexible on how payments work within my budget. Good business.

    28. buy here pay here Roseville dealer review by Avelino J-Ridah- Olea Jr

      Avelino J-Ridah- Olea Jr rated Automotion

      Been coming here for almost a decade and have built a great relationship with Eric...He is about family to me. I'd like to also mention Greg and Deb who also have been helpful as well in the past. I have bought multiple cars from them as of late as my children are growing up and needing a car. Automotion has been very helpful and straight to the point with no hassles. You get in and get out. I Highly recommend this place to anyone if your looking for a decent and reliable used car. I haven't been let down yet... ask for Eric and tell them Avelino sent ya..? Below are the cars I have purchased recently and a 2012 nissan altima that I currently still have from 3 years ago...I love my purchases!

    29. buy here pay here Roseville dealer review by Joseph Bonner

      Joseph Bonner rated Hertz Car Sales Roseville

      Working with David was a pure pleasure for me! I appreciated him taking the time to simply work with me through the process and make sure that everything was handled from start to finish. In fact, everyone was great at Hertz Car Sales! I will be sure to recommend it to any of my friends. We love the car very much!

    30. buy here pay here Roseville dealer review by Richard Bejar

      Richard Bejar rated Hertz Car Sales Roseville

      Purchased a car here almost a year and a half ago. Great selection of cars. Very competitive pricing, clean vehicles. Complete disclosure. 100% No pressure environment. A few small things needed changing and they, (Hertz car sales) took care of the smallest details quickly. I would recommend the Roseville location. Thank you!

    31. buy here pay here Roseville dealer review by Jay Roberts

      Jay Roberts rated Armani Motors

      Couldn't be more happy with Armani Motors! Sam was amazing to work with. Super professional. Not pushy at all. Sam and the team just listened to my needs and did everything in their power to take care of me. Will definitely use them again and highly recommend them to anyone looking for a used car.

    32. buy here pay here Roseville dealer review by Michael Matthews

      Michael Matthews rated Armani Motors

      Great selection of vehicles. Wonderful service. No pressure and very polite people. Thanks Alex!

    33. buy here pay here Roseville dealer review by Steven Liao

      Steven Liao rated Hayes Auto Sales

      I bought a 2001 jeep wrangler here at Hayes. First time i ever own a used car all my car are bought brand new so it was a bit nervous don't know what to expect but with wrangler TJ you can only get a used one. Found it at Hayes they have reasonable price even thought is about 2 and 1/2 away. The vehicle is totally clean and engine bay was like new compared to some of private used TJ i looked at. Test drive was easy they just hang me the key and me and my younger son just hope in and test drive two wranglers, Sale process was breeze and they even let me leave the Jeep there for a week after purchase because i need to figure out how to get the vehicle home. Have it since September 2019 and now is December have no problem with it. Although i did purchase the 2yrs extended warranty for peace of mind. I would recommend Hayes and I would definelty come back again for future purchase. Oh last thing Curt the sales guy and one of the older guy that help him there was awesome! And not to mention the young man that work in the lot was super nice too help getting my Jeep out of the lots of car in speedy time so i can hurry and drive the baby home! Thank you!

    34. buy here pay here Roseville dealer review by Traver Dougherty

      Traver Dougherty rated Hayes Auto Sales

      Didn't buy a car, but nice staff. I would consider buying a car there. Nice clean cars.

    35. buy here pay here Roseville dealer review by juice brown

      juice brown rated Hayes Auto Sales

      Got an excellent deal on my Camry

    36. buy here pay here Roseville dealer review by David Saltel

      David Saltel rated Roseville Auto Sales

      Bought my daughter a car, good price, freindly staff, easy to work with. Would reccomend

    BHPH Roseville CA dealer

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