Top 16 Buy Here Pay Here Dealers in Salinas CA

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

Connect with top 16 buy here pay here Salinas CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Salinas'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 Salinas CA

  • Cardinale Mazda, CA

  • Abrahams Auto Sales, CA

  • Country Motors Inc, CA

  • MY Nissan, CA

  • MY Jeep Chrysler Dodge RAM, CA

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

  • Sam Linder Honda, CA

  • Prunedale car lot, CA

  • Frank’s Auto Sales, CA

  • Salinas Valley Ford Lincoln, CA

  • Pick-n-Pull Cash For Junk Cars, CA

  • Did you know? These BHPH Salinas 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 Salinas 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.

  • MY Kia, CA

  • The Car Lot, CA

  • JJ’s Auto Sales, CA

  • Mikes Auto Sales, CA

  • 101 Motorsports, CA

  • The phrase buy here pay here Salinas 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. Salinas 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.

  • Nuñez Auto Sales, CA

  • Why buy here pay here Salinas 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 Salinas 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 Salinas 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 Salinas CA Works

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

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

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

    While buy here pay here Salinas 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 Salinas 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.

    Salinas CA buy here pay here Reviews

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

    1. buy here pay here Salinas dealer review by Melvin Jimenez

      Melvin Jimenez rated Cardinale Mazda

      I purchased a used truck a month ago and had a service light pop up almost a week later. I took it in and the service department was able to help immediately to fix the issue. Quick and friendly customer service.

    2. buy here pay here Salinas dealer review by Francisco Contreras

      Francisco Contreras rated Cardinale Mazda

      Good auto service

    3. buy here pay here Salinas dealer review by the Queen

      the Queen rated Abrahams Auto Sales

      Excellent service, very honest, I recommend

    4. buy here pay here Salinas dealer review by Ashley Passey

      Ashley Passey rated Abrahams Auto Sales

      I would highly recommend this honest to goodness family business, very reasonable in all our correspondences, Abraham consistently did right by me & I'm very happy with my decision to purchase a car here.

    5. buy here pay here Salinas dealer review by francisco morales

      francisco morales rated Country Motors Inc

      Great place great deals great selection.

    6. buy here pay here Salinas dealer review by RAM5.7

      RAM5.7 rated Country Motors Inc

      Just purchased a car a week ago from here easy to work with great prices friendly customer service

    7. buy here pay here Salinas dealer review by Talha Baqar

      Talha Baqar rated MY Nissan

      Eli and Maria were fantastic to work with. Helped a friend buy a 2020 Kia Soul and the process could not have been easier! Had several test drives, talked through all the options, and used a Costco discount to get a great deal. Awesome!

    8. buy here pay here Salinas dealer review by Clint Nabor

      Clint Nabor rated MY Nissan

      Saleswoman Delilah went above & beyond to help us find a car that we were happy with. Very professional, patient with us and knowledgeable in answering all of our questions. Looking forward to upgrading our new vehicle with the service department. Would definitely recommend & purchase from the nice staff, again!

    9. buy here pay here Salinas dealer review by Chen Dubrin

      Chen Dubrin rated MY Jeep Chrysler Dodge RAM

      Staff is super helpful and totally knowledgeable. Highly recommend shopping here first.

    10. buy here pay here Salinas dealer review by Faze jaythejet

      Faze jaythejet rated MY Jeep Chrysler Dodge RAM

      Armando was so polite and extremely helpful from the first moment I applied for a loan. He contacted me right away and was eager and willing to help me despite my credit problems. He talked to me and explained to me that there are different banks that were willing to work with someone like me who was trying to rebuild credit. He gave me different options and got me approved for a loan and he was able to find me the car that I wanted. It was brand new and beautiful! Armando, Jonathan and Nelson are outstanding to do business with!

    11. buy here pay here Salinas dealer review by Guillermo Ramirez

      Guillermo Ramirez rated Sam Linder Honda

      I had a recall inspection done here and all employees were very friendly and helpful. Chuck B keep up your good work and really friendly service with a smile always. Big thank You Salinas Sam Linder Honda!!!

    12. buy here pay here Salinas dealer review by Javier Dorantes

      Javier Dorantes rated Sam Linder Honda

      Nice environment and very helpful salesman ( Cris Sardina)

    13. buy here pay here Salinas dealer review by audrey peace

      audrey peace rated Prunedale car lot

      This was one of the easiest car purchases I have ever made. We came here to get my mother a car and was helped by Niel. He made every step of the process easy and we were well informed about the vehicle and all of its perks. I will recommend this place to all of my friends and frankly anyone who is looking for a car or truck. Thank you Neil for making this purchase so easy for my mother. We're very greatful!!! Not to mention he's very easy on the eyes!

    14. buy here pay here Salinas dealer review by Fawn Pearl

      Fawn Pearl rated Prunedale car lot

      Martin gave me the keys to a new start not just a car. I was amazed at how kind and understanding this man is. I can't even begin to describe how awesome my experience has been buying from Prunedale Motors. I wouldn't go anywhere else. I've never gotten anything that I needed to be financed for so it was a bit scary, untill we sat down. Martin went over everything clearly and the next day I picked up my car. He even called me a few days later to male sure my daughter and I were ok. Thank you so much for believing in me Martin!

    15. buy here pay here Salinas dealer review by paul

      paul rated Frank’s Auto Sales

      Walked in today spoke to Damian for a Toyota Tacoma truck he hooked me up on a Great deal. Very helpful and polite man of his word to make you happy and satisfied ? I would recommend anyone to stop by and speak to Damian for any vehicle purchase! In and out in minutes! Thank you again Damian for my 1st time buyer. Toyota Tacoma 4x4 ??

    16. buy here pay here Salinas dealer review by tony hernanandez

      tony hernanandez rated Frank’s Auto Sales

      I worked with Jr and he was spectacular. Jr gave me a great deal, no hassle and was far better than all the other dealership I’d negotiated with.Got my dream custom truck and it rides great like stock. Compare to some other places I went to.

    17. buy here pay here Salinas dealer review by Meno Talaroc

      Meno Talaroc rated Salinas Valley Ford Lincoln

      Friendly Staff. I came in for service and the staff greeted me warmly and answered all my questions about the service being performed. They also adressed my concerns about my 5 year old battery by testing it. (It is still fine)

    18. buy here pay here Salinas dealer review by Jake Osullivan

      Jake Osullivan rated Salinas Valley Ford Lincoln

      Wow. This is one of the best dealerships I’ve been to in several years. I’ve leased or purchased 5 vehicles and this was by far the best experience ever. From our salesperson, Christina. To inventory mgr mark to finance and delivery. Everything was perfect It’s great to know that a place like this still exists. I cannot day enough great things a VM our this dealership and its people

    19. buy here pay here Salinas dealer review by Raul Sanchez

      Raul Sanchez rated Pick-n-Pull Cash For Junk Cars

      I sold my car there and the woman who helped me was super professional and helpful. She had awesome customer service and gave me a lot of information. Would definitely recommend. Thanks to my great experience I have gone back and gotten parts to work on my car. Everyone is super helpful and friendly.

    20. buy here pay here Salinas dealer review by Luna blu

      Luna blu rated Pick-n-Pull Cash For Junk Cars

      Salinas Pick-N-Pull is the best! Great customer service! They are very helpul and they answered all my questions. They know their stuff! Also, good selection of junk cars. Junk yard is well organize, I found the junk car fast. And found what I need it and saved $$!

    21. buy here pay here Salinas dealer review by Jack Leddy

      Jack Leddy rated MY Kia

      My 2014 KIA Optima engine basically blew up on a road trip. Service advisor James got me in a loaner car and had the approval for engine replacement within 24 hours. He gave me regular progress reports until the repair was finished . In the front of the house Claudia couldn't have been nicer and had my wife and I in our loaner and on the road in no time. Great team, great service and great experience. Thanks for taking the stress out of a stressful situation.

    22. buy here pay here Salinas dealer review by Stan  Abbott

      Stan Abbott rated MY Kia

      I have bought six or seven cars here and it is always an enjoyable experience

    23. buy here pay here Salinas dealer review by Eddie Moreno

      Eddie Moreno rated The Car Lot

      Amazing customer service and upfront. Got my friend in a car and on his way in a timely manner and would recommend to others.

    24. buy here pay here Salinas dealer review by Tina Vela Ramirez

      Tina Vela Ramirez rated The Car Lot

      Great service and beautiful vehicles.

    25. buy here pay here Salinas dealer review by Cecily Rodriguez

      Cecily Rodriguez rated JJ’s Auto Sales

      Francisco was beyond great! Customer service was on point, answered all my questions & took care of my car needs. Best part about it is he worked with me and my credit and got me the best deal possible. There’s many dealers in Salinas but this easily the only one I’ll be returning too for any future purchases! You gained a lifetime customer Francisco, thank you.

    26. buy here pay here Salinas dealer review by Monte  Albalos

      Monte Albalos rated JJ’s Auto Sales

      For a smaller dealership they were very professional. I would choose this dealership over BMW and other dealerships in the area. We found a nice BMW with really low miles and a factory warranty. Our salesman was Angel Sanchez. I believe he is the rookie salesman of the year. He did a fantastic job and this young man is going to go places in the sales industry :-)

    27. buy here pay here Salinas dealer review by Juan Ramirez

      Juan Ramirez rated Mikes Auto Sales

      Grate place nice car good prices and Ask for max his the best his very helpful

    28. buy here pay here Salinas dealer review by Gabriel

      Gabriel rated Mikes Auto Sales

      Huge selection of cars. Most are within 3 years old. Abdul seems to be the nicest salesperson there.

    29. buy here pay here Salinas dealer review by JDM DAVE

      JDM DAVE rated 101 Motorsports

      The staff is very friendly and knowledgeable. They look out for you and dont pressure you into anything.

    30. buy here pay here Salinas dealer review by Alan Gonzalez

      Alan Gonzalez rated 101 Motorsports

      Looking for a cheap car? They have a lot of deal around $5,000 or less. Easy to Finance, credit not needed. It's always good to inspected the vehicles and take them on a test drive.

    31. buy here pay here Salinas dealer review by Maria CAMPOS

      Maria CAMPOS rated Nuñez Auto Sales

      Reasonable prices with good selection to pick from

    32. buy here pay here Salinas dealer review by Orlando August

      Orlando August rated Nuñez Auto Sales

      Great deals on used cars

    BHPH Salinas CA dealer

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