Top 18 Buy Here Pay Here Dealers in Sacramento CA

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

Connect with top 18 buy here pay here Sacramento CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Sacramento'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 Sacramento CA

  • Quality Auto Sales, CA

  • Auto Finance of Sacramento, CA

  • Sacto Motors , Inc, CA


  • A-1 Auto Wholesale, CA

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

  • Action Auto Sales, CA

  • 7 star auto, CA

  • 916 Auto Mart, CA

  • CarHop Auto Sales & Finance, CA

  • M&S Auto, CA

  • Did you know? These BHPH Sacramento 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 Sacramento 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.

  • Car Cage Motors, CA

  • Gino Motors, CA

  • Unique Plaza Auto Sales, CA

  • Golden Star Auto Sales, CA

  • Ataya’s Motors, CA

  • The phrase buy here pay here Sacramento 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. Sacramento 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.

  • Kareem Auto Sales, Inc, CA

  • iCarz Inc, CA

  • Matador Motors, CA

  • Why buy here pay here Sacramento 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 Sacramento 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 Sacramento 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 Sacramento CA Works

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

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

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

    While buy here pay here Sacramento 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 Sacramento 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.

    Sacramento CA buy here pay here Reviews

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

    1. buy here pay here Sacramento dealer review by Carla Jacobo

      Carla Jacobo rated Quality Auto Sales

      I was shopping around for a car for a while and finally found the car I wanted for a great price - they have great prices and service. As a first time buyer, car shopping could be a little nerve wracking, but this place took care of me and helped me walk out with my first new used car. Steve was super helpful and incredibly patient!

    2. buy here pay here Sacramento dealer review by Lance Wills

      Lance Wills rated Quality Auto Sales

      The best (used) car buying experience I've ever had. No pressure, great service. They even got me an amazing interest rate to finance my purchase. Stevant did what he said he would do, even after the contract was signed. High integrity. Highly recommend! A+ (added decals in photo after I purchased of course, for my business).

    3. buy here pay here Sacramento dealer review by Kevin Nicholas

      Kevin Nicholas rated Auto Finance of Sacramento

      I bought a car from here and it has been a life saver! It runs great and it looks great. Win win ! The whole process of purchasing my car was a breeze. No issues at all. The salesman was a nice gentleman and easy to talk to. The cars come with a warranty also so I didn't feel like I was getting played. I would recommend everyone check them out.

    4. buy here pay here Sacramento dealer review by Angelwow

      Angelwow rated Auto Finance of Sacramento

      Professional, Knowledgable Honorable Auto finance made it extremely simple and easy for me to obtain my 2005 Chevrolet Malibu LS. I obtained the items they required from me online and submitted them via email. Had the car inspected and was told it's in great condition. Best prices, quality cars! Love them!

    5. buy here pay here Sacramento dealer review by Monique Stewart

      Monique Stewart rated Sacto Motors , Inc

      Thank you so much to Carlos. I have never been treated with such respect. I was able to get a great vehicle with affordable payments. My experience was amazing Carlos never stop working to get me the best deal possible. I thank him so much for what a great job. I would definitely recommend Sacto Motors to anyone. Great job I’m completely satisfied with my car.

    6. buy here pay here Sacramento dealer review by Lashaunda James-Blackwell

      Lashaunda James-Blackwell rated Sacto Motors , Inc

      I just want to say thank you so much Carlos you are amazing!!!! I love my new car and the experience was wonderful. Carlos is amazing he helped me to get in the car I wanted even though my credit was crushed and he still worked his magic to get me a car. I recommend anyone to go to him if you need a car. God Bless you Carlos and thank you again.

    7. buy here pay here Sacramento dealer review by Salam Almattar

      Salam Almattar rated JAN AUTO SALES

      The owner is very honest and caring. I wouldn't buy from anywhere else!

    8. buy here pay here Sacramento dealer review by Breeana Reyes

      Breeana Reyes rated JAN AUTO SALES

      This is the only used car dealership that I'll buy from. I bought a 2003 Subaru Forester AWD, great car.

    9. buy here pay here Sacramento dealer review by Erik Mendoza

      Erik Mendoza rated A-1 Auto Wholesale

      Great people! I went in looking at a Corvette and drove home with it, they did everything they could and managed to get me the car they were super friendly and honest and I would definitely recommend them 10/10 for customer service!

    10. buy here pay here Sacramento dealer review by Mr Rogers

      Mr Rogers rated A-1 Auto Wholesale

      Quick, agent was not pushy at all. Asked us what we needed and accomadated our needs. 100% recomend

    11. buy here pay here Sacramento dealer review by Tiffany Raner

      Tiffany Raner rated Action Auto Sales

      Low prices and they do in-house financing your job is your credit

    12. buy here pay here Sacramento dealer review by jamiela banks

      jamiela banks rated Action Auto Sales

      Got my 2004 from Eddie, boy I love my car ??????????????

    13. buy here pay here Sacramento dealer review by Mario Corea

      Mario Corea rated 7 star auto

      I bought my first car here about a year ago and these guys really worked with me on making it happen. Whether you're looking for something inexpensive or a top of the line vehicle at a much better price. I wouldn't recommend any other dealer! The vehicle has been nothing short of perfect, no problems at all but they are always extremely helpful and responsive. If there ever were any issue, they are there to help! I am getting ready to make another purchase soon and there is not a chance that I would do so unless it's with 7 star auto. Thank you guys!

    14. buy here pay here Sacramento dealer review by 1 Noble 1

      1 Noble 1 rated 7 star auto

      Cut me a good deal on a used car

    15. buy here pay here Sacramento dealer review by Brian Long

      Brian Long rated 916 Auto Mart

      Cliff is that ABSOLUTE BEST to work with.I wish ALL salesmen were like this. Will be back for another car.. Best buying experience I have had...Only 2 hours from walk on to drive off...this place ROCKS!!

    16. buy here pay here Sacramento dealer review by Trevor Becker

      Trevor Becker rated 916 Auto Mart

      If you have bad credit this is definitely to place to go. They’re willing to do whatever they can for those in need of a vehicle. I’d defanitly recommend giving this place a go. Very reliable business.

    17. buy here pay here Sacramento dealer review by Christey Hawk

      Christey Hawk rated CarHop Auto Sales & Finance

      My daughter purchased a vehicle from CarHop. Her salesman, Sam, was kind, patient, and helpful. He and the manager stayed past closing time to ensure my daughter could drive off the lot with her new vehicle. They were very busy, and perhaps a bit understaffed, but they balanced everything quite well. I was pleasantly surprised with the level of professionalism at CarHop. Thanks Sam, Brit and I appreciate your help!

    18. buy here pay here Sacramento dealer review by Panda Wut

      Panda Wut rated CarHop Auto Sales & Finance

      Jasmine was an absolute angel. She was extremely friendly from the start, and my kids both took an extreme liking to her. She laid everything out for us, and stayed past closing to get us into a car that we liked. No other car dealership would work with us or even give us the time of day unless we wanted to put 2,000 cash down on a car. Jasmine truly wanted to see the beat for us even though we didn’t have the credit, and didn’t have a lot of money on hand. I can’t thank her enough for her amazing customer service and care for us. Thankyou again!

    19. buy here pay here Sacramento dealer review by Saucie Hemmingway

      Saucie Hemmingway rated M&S Auto

      My 2nd time buying a car from M & S auto for myself & my daughter has bought 2 cars as well. We have been treated so good & given the most reliable cars. They have worked with us & listened to our needs & wants each time. We will return if we need too.

    20. buy here pay here Sacramento dealer review by Pete Melbourne

      Pete Melbourne rated M&S Auto

      A great place for buying a car. Bought 3 cars from them sofar. And no problems. The Service personal are well trained and knowledgeable in the Automotive field. Sales Personal are the best in town. Try them and you'll keep coming back.

    21. buy here pay here Sacramento dealer review by Robert Cummings

      Robert Cummings rated Car Cage Motors

      Should have been buying cars here long ago. Great deals!

    22. buy here pay here Sacramento dealer review by Johnny K

      Johnny K rated Car Cage Motors

      talk to a man called Anthony at car cage very helpful very nice place looks like a lot of good deals going on a lot of my friends have my car so my car cage so I decided to check it out myself so far it's a five star

    23. buy here pay here Sacramento dealer review by Lisa Budd

      Lisa Budd rated Gino Motors

      After checking many reviews on car dealers we decided to go to Gino Motors because of the many happy customers they had. I'm so glad we did! Gino was truly a blessing to work with! We couldn't be happier with our new used Lexus and the new friendship we now have with Gino! Thank you Gino!

    24. buy here pay here Sacramento dealer review by Devfox Fox

      Devfox Fox rated Gino Motors

      Gino is the best dealer in Sacramento hands down. I just bought my second car from him and left with a great deal. His cars are not junk auction cars that break down three months later. I bought my first car from him 3 years ago and so far all the work I had to perform on it was the break pads and oil changes. I highly suggest you visit Ginos before you shop else where

    25. buy here pay here Sacramento dealer review by Renee Christine Martine

      Renee Christine Martine rated Unique Plaza Auto Sales

      Thank you Ruben for the best car buying experience I've had to date. I was very impressed with your genuine and trusting personality. My business transaction with you was painless, quick, and you kept your word on every aspect. I am very grateful and LOVE my new/used Nissan Murano—low miles, excellent condition, LOTS of extras for an amazing price! For those that have driven by and not actually pulled into the quaint lot of Unique Plaza, don't let that stop you! You won't regret it.

    26. buy here pay here Sacramento dealer review by Shila Mo

      Shila Mo rated Unique Plaza Auto Sales

      got a great car at a great price!

    27. buy here pay here Sacramento dealer review by Kyle c

      Kyle c rated Golden Star Auto Sales

      I bought a VW gli from here at the customer service was phenomenal. I went to a lot of car dealerships that day but no one made me more comfortable than this establishment. Henley was incredibly chill and not pushy at all I felt very safe and calm during my time spent here. He was also really nice to my mom so gotta respect that. :)

    28. buy here pay here Sacramento dealer review by Habib Salah

      Habib Salah rated Golden Star Auto Sales

      Tony and frank ,also Henley, went out of there way for me to purchase a very nice car,I would recommend this dealership to anyone, no pressure to buy,friendly and very nice people.

    29. buy here pay here Sacramento dealer review by fassy31 fassy31

      fassy31 fassy31 rated Ataya’s Motors

      Great place good selection and awesome service..

    30. buy here pay here Sacramento dealer review by Sherry Andersen

      Sherry Andersen rated Ataya’s Motors

      Super helpful. Very trustworthy.

    31. buy here pay here Sacramento dealer review by Donald Ramirez

      Donald Ramirez rated Kareem Auto Sales, Inc

      I have bought another vehicle from Kareem Auto Sales and have been pleased with their service and offerings. Their sales guy was good to deal with as he showed me different options as per my budget and liking. Finally, I picked the best car I liked as per what I expected. Thank you very much and I have also recommended to my friends to contact Kareem Auto for the best cars at affordable prices.

    32. buy here pay here Sacramento dealer review by Cassel Schechter

      Cassel Schechter rated Kareem Auto Sales, Inc

      Had a marvelous experience at Kareem Auto Sales, Inc. Their salesperson was a great guy who helped me in opting for the best car as per my budget. Further, the process was transparent without any hidden costs. The guy also told me about different financing options. Thanks to them and I was able to buy my favorite car. Highly recommended to my friends.

    33. buy here pay here Sacramento dealer review by Tiffany Raner

      Tiffany Raner rated iCarz Inc

      First off i want to mention the customer service these guys were great. Really helped me find the perfect car for me and the financing was great. Ask for Kareem he was my sales men

    34. buy here pay here Sacramento dealer review by Joseph Hunt

      Joseph Hunt rated iCarz Inc

      Carz Inc has 2 locations, so they have an awesome selection to choose from. Impeccable customer service. I wouldn't trust anyone other than iCarz inc when looking for a car here in sac. They treat you like family. Wouldn't shop anywhere else!

    35. buy here pay here Sacramento dealer review by Lora Andreasen

      Lora Andreasen rated Matador Motors

      Dora Lopez was great. Not pushy, very helpful. I had to go back for a vehicle verification, maybe the car hadn't been there long enough to get that done ahead of time. Very happy with my new low mileage car that I got for a great price. Thanks, Dora and thanks Jose!

    36. buy here pay here Sacramento dealer review by David Keator

      David Keator rated Matador Motors

      The people at Matador a very professional and know the car business. I purchased a used car from them a few months ago, and the transmission went wonky "Actual Description" anyway, the they took care of me and helped me out even though I didn't get the extra warranty..Luckily it was an easy fix. I highly recommend them for your next used car purchase!

    BHPH Sacramento CA dealer

    Hope you like our list of buy here pay here Sacramento CA dealers. Do share it with your friends. Let us know your feedback, query or suggestion by contacting us from contact us page.