Top 17 Buy Here Pay Here Dealers in San Mateo CA

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

Connect with top 17 buy here pay here San Mateo CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of San Mateo'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 San Mateo CA

  • Europa Motorcar Company, CA

  • Putnam Mazda in Burlingame, CA

  • Putnam Chrysler Jeep Dodge, CA

  • Conti Auto Sales, CA

  • Peter Pan BMW, CA

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

  • Nissan of Burlingame, CA

  • Tesla, CA

  • Volvo of Burlingame, CA

  • Ocean Honda of Burlingame, CA

  • Shift.com, CA

  • Did you know? These BHPH San Mateo 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 San Mateo 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.

  • Boardwalk Auto Mall, CA

  • Audi Burlingame Sales, CA

  • Toyota 101, CA

  • Putnam Chevrolet, CA

  • Select Motors, CA

  • The phrase buy here pay here San Mateo 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. San Mateo 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.

  • Trax Auto Wholesale Inc, CA

  • Veracom Ford, CA

  • Why buy here pay here San Mateo 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 San Mateo 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 San Mateo 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 San Mateo CA Works

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

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

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

    While buy here pay here San Mateo 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 San Mateo 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.

    San Mateo CA buy here pay here Reviews

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

    1. buy here pay here San Mateo dealer review by Dong Liang

      Dong Liang rated Europa Motorcar Company

      The store owner is very professional, we had good experience

    2. buy here pay here San Mateo dealer review by Mostafa Hrlal

      Mostafa Hrlal rated Europa Motorcar Company

    3. buy here pay here San Mateo dealer review by Eric Miller

      Eric Miller rated Putnam Mazda in Burlingame

      We had a remarkably easy and worry-free experience purchasing a new Mazda at Putnam very recently. Dominic was very thorough even under current circumstances of social distancing. We called in a day before inquiring about a particular spec’ed model, it was prepped for us the following morning. I was able to test drive alone (in gloves and a mask, that’s a first) to evaluate the vehicle. Following that we had a fairly accelerated process for closing the deal. Service is top notch at Putnam, having bought 3 or 4 cars previously from various different dealers. Looking forward to using Putnam’s service center because they’re highly rated and beautiful downtown Burlingame is a short walk away. The car itself is a great ride packed with modern tech features and wrapped in beautiful Mazda candy red. Gets a lot of compliments! Thank you Dominic and Putnam Mazda!

    4. buy here pay here San Mateo dealer review by Dave Ressler

      Dave Ressler rated Putnam Mazda in Burlingame

      2019 Mazda 3 We had a wonderful experience with Dominic Chang at Putnum Mazda. We were leasing the car for our son's 21st birthday to replace an old Saturn he had been driving. Dominic took me for a test drive to fully feel the Zoom-Zoom handling and the comfort that was maintained in this small car. I wanted all wheel drive safety for my son and the ability for him to drive it to Tahoe. Dominic has been more than just a sales rep, he's been reaching out to us to make sure satisfaction has continued even after the "Honeymoon". Putnam goes out of their way to make sure you are satisfied, and Dominic is a shining star.

    5. buy here pay here San Mateo dealer review by Jay Bounds

      Jay Bounds rated Putnam Chrysler Jeep Dodge

      Purchased a 2016 Jeep Wrangler JK from Scot at Putnam. They had the exact model I was looking for in stock! We made some special requests with regard to decal removal and detailing and Scot went above and beyond to ensure every detail exceeded our expectations. My daughter is thrilled with her graduation present. It's not often you can boast about a car dealership but from sales to service, Putnam and Scot will make sure you're taken care of - period!

    6. buy here pay here San Mateo dealer review by Deb Au-Yeung

      Deb Au-Yeung rated Putnam Chrysler Jeep Dodge

      Excellent service from Jeffrey. I made an appt for an oil change for my Jeep Cherokee at 830 am and they were ready for me and had me in and out in an hour. Courteous service from start to finish. I'm definitely going to come here instead of the other dealership that is closer to my house.

    7. buy here pay here San Mateo dealer review by A Lopez

      A Lopez rated Conti Auto Sales

      Well knowledge staff and friendly. They treat their cars like they are their kids.

    8. buy here pay here San Mateo dealer review by paulo nacionales

      paulo nacionales rated Conti Auto Sales

      Bought my BMW 335i here, very smooth transaction. It was late in the day and the banks were closed for the loan paperwork to go through and I wasn't able to come the next day to fill everything out so they stayed a little later to accommodate me. Kept in contact with Franco for the next couple weeks to check in on the status of the loan as well as having him forward me the paperwork and extra key. Originally worried that like most dealers that once you sign the paperwork that's it and you're on your own, but that wasn't the case. Will give them my business again in the future.

    9. buy here pay here San Mateo dealer review by Pratyush Gupta

      Pratyush Gupta rated Peter Pan BMW

      Our journey with Peter-Pan BMW started with contacting Adam Locke about our car needs and budget. From the get-go Adam was direct and honest. He helped us find a great BMW at a fantastic price. He understood our needs and during his day-off, asked his colleague - Khalil to show us the vehicle so that we don’t lose a good deal. The best thing about Adam was that no matter how much we haggled, no matter how many questions we asked, he addressed everything in a calm and patient manner. The entire process from buying the car to after-sales experience (its been more than 4 weeks now) has been nothing short of pleasant. We highly recommend Peter-Pan BMW and especially commend Adam for providing professional service. A big shout-out to Khalil as well who offered the test-drive and made us extremely comfortable with the vehicle - it only says that Peter-Pan BMW is a special dealership with awesome service.

    10. buy here pay here San Mateo dealer review by Susan Kidd

      Susan Kidd rated Peter Pan BMW

      Edward was a great person to wade through the experience of buying a car with. He was patient with me and I never felt rushed. He listened carefully and answered all of my questions until I understood. The experience was long but he also made it exciting! Tom in Finance also walked me through the arduous process as swiftly as possible while explaining everything in detail. Thank you to both of you! I love the car!

    11. buy here pay here San Mateo dealer review by Laura B

      Laura B rated Nissan of Burlingame

      Joe was just fantastic! Very professional, articulate, compassionate, and knowledgeable of differences between the cars I was looking at. It was like my father was helping me! Trusted Joe 100000+% :) Joe gave a lovely introduction to Putnam Nissan. He took me to the parts and service department, reviewed the warranty with me and made me feel complete confidence in the Rogue Sport I decided on. Before I left he showed me the complete set of features the car had, linked up my phone for me, filled the tank with gas, just an excellent experience all around. Joe is just awesome. It will be nice to see him again when I come for the scheduled maintenance check-ups. When it is time for another car, Joe will have my business. He is such a good person I took extra biz cards for my friends who are in the market for a new Nissan. Buying a car is a huge decision and I was so nervous. My experience with Joe has me beaming with joy! Still a big decision but perfectly painless. Thank you Joe for all your hand holding patience and understanding. You are a true gem! For great prices and service - seek out Joe Connelly at Nissan of Burlingame.

    12. buy here pay here San Mateo dealer review by Al Rod

      Al Rod rated Nissan of Burlingame

      Franfcis & Lei, Excellent and nice couple...Very happy with the all new 2020 Nissann Kicks...Congratulations!!!

    13. buy here pay here San Mateo dealer review by Aidan Follestad

      Aidan Follestad rated Tesla

      Anthony D is awesome! He was so helpful throughout the whole process of buying my beautiful Model 3. The test drive experience during the quarantine was great too - they drop off a car you get to drive until the next day. Genius. The purchase process was super quick and super smooth. Thank you! I love my new car.

    14. buy here pay here San Mateo dealer review by Monty Griswald

      Monty Griswald rated Tesla

      Very nice sales staff and also support. We came by to charge our model x and get advice on changing our tires. Unfortunately they couldn’t change the tires on site, but referred us to American tires and Costco. The nice woman even helped us make the order over the phone for the tires.

    15. buy here pay here San Mateo dealer review by Shirish Joshi

      Shirish Joshi rated Volvo of Burlingame

      Competent and responsive service desk staff. (That would be Crystal, in my case). Additions and changes to vehicle service done in real time while on the phone instead of 'I'll get back to you after talking with the mechanic'. That saves time and reduces back and forth calls. Car ready when promised. Forgot to wash car, they quickly took care of it at checkout. Pleased with the service. Recommended for your volvo.

    16. buy here pay here San Mateo dealer review by K Ercan Turkarslan

      K Ercan Turkarslan rated Volvo of Burlingame

      Since I was looking for an S90 with very specific options and price range, I decided to fly from Seattle to Bay Area to purchase my next car. Volvo of Burlingame had three similar vehicles available. Steven M replied to my online inquiry. He answered all my questions over the email in a timely manner. I told him that I was down to two cars and I will decide when I reach there. I flew to Bay Area Saturday morning, When I arrived at the dealership both cars were ready waiting for me for test drive. During the test drive, I was really impressed with Steven's knowledge on tech details. He presented all features of the car well. It is hard to find an auto sales rep with deep knowledge of their cars these days. After the test drive, I made my decision. Steven provided me the numbers. The car was priced right, so I didn't negotiate. Since I was going to drive back to Seattle that day, Steven streamlined everything. I was not pressured to buy an extended warranty, paint protection etc. Everything was handled smoothly. After I left the dealership, Steven checked how I am doing on the road to Seattle. He was not focusing on just finishing another transaction. He was making sure I am satisfied with my car and safely reached my destination :) I really appreciated buying a car from Volvo of Burlingame. Steven M and everyone helping him with this purchase made it very easy and pleasant experience for me. Yes, they are located 800+ miles away. But probably, I will check with Steven first before I buy another vehicle. Considering how I was treated and what I bought for the amount I paid, it was worth it :)

    17. buy here pay here San Mateo dealer review by Sara Yin

      Sara Yin rated Ocean Honda of Burlingame

      Service manager Lisa and her team are very professional and helpful. The precious thing is they listen and communicate effectively, solve the problems promptly. 5 star service centre. The best service and skills.

    18. buy here pay here San Mateo dealer review by Chris Productions

      Chris Productions rated Ocean Honda of Burlingame

      Nice cars

    19. buy here pay here San Mateo dealer review by Zachary Westbrook

      Zachary Westbrook rated Shift.com

      Wanted to sell my car, found Shift after the dealer didn’t mark my trade where I wanted. Was convenient, easily scheduled. Prelim offer via web, the. inspection and offer completed in 30 min at my house. Paperwork was done within an hour. Extremely fair offer and they drove the car off. No hassle service. It was a fantastic experience. 10/10 would do again.

    20. buy here pay here San Mateo dealer review by David McKinnon

      David McKinnon rated Shift.com

      I was very fortunate to have Jenny show me a vehicle. Jenny is the best! I noticed her strong business intelligence and professional etiquette immediately. Jenny is class act and truly a breath of fresh air. Very easy to get along with and a sweetest too. I look forward to working with Jenny. Best regards, David P. McKinnon

    21. buy here pay here San Mateo dealer review by Manuel Chavez

      Manuel Chavez rated Boardwalk Auto Mall

      The best dealer at the Bay Area

    22. buy here pay here San Mateo dealer review by Michael Canning

      Michael Canning rated Boardwalk Auto Mall

      Boardwalk auto has always treated my families cars with top notch services since the 80's. I wouldn't take my vehicles anywhere else. I highly recomend this dealership for any of the vehicle makes they service. Keep up the exceptional work boardwalk family!

    23. buy here pay here San Mateo dealer review by Billy Hackenson

      Billy Hackenson rated Audi Burlingame Sales

      I've had great experiences here both with service and leasing a vehicle. The entire team is customer service driven and I've always felt like I'm a valued customer. Richie in Service has made sure everything is taken care of and that I can get in a loaner or driven to work. Also want to thank Rudy & Emma in online sales for the quick help as well as Joshua in finance and Teresa up front. They all made the process as seamless as possible...and actually as fun as car buying can be.

    24. buy here pay here San Mateo dealer review by Amber Marie

      Amber Marie rated Audi Burlingame Sales

      Howard took great care of me as soon as I arrived at the dealership. I had one specific Audi in mind from their website and there was no pressure from Howard to persuade me into purchasing a more expensive vehicle. Quality service from him and Mariah!

    25. buy here pay here San Mateo dealer review by Becky Caselli

      Becky Caselli rated Toyota 101

      I couldn't have asked for a better car buying experience. Nauroze was able to get me everything I asked for in a car. He was polite , professional and very knowledgeable. He made me feel at ease in what can be a stressful situation for me. Everyone at Toyota 101 were terrific. I will definitely come back.

    26. buy here pay here San Mateo dealer review by Christy Wong

      Christy Wong rated Toyota 101

      Had a great car buying experience with Mark Galvante. He was very helpful and detailed in helping me get a car within my price range. Definitely, try to get this guy to help you if you are planning to buy a car. Could not have asked for a better experience.

    27. buy here pay here San Mateo dealer review by Andrew Ivanov

      Andrew Ivanov rated Putnam Chevrolet

      All I can say about Anthony Martin is wow. He went above and beyond the call of duty. He stayed late for two consecutive nights to make sure I got the perfect Bolt. He was dilligent, professional and extremely easy to deal with. I made sure to post reviews of Anthony on Yelp, Reddit and YouTube. Thanks Anthony, Jeries and Dean!

    28. buy here pay here San Mateo dealer review by Amy Morton

      Amy Morton rated Putnam Chevrolet

      Everyone at Putnam Chevrolet was beyond accommodating during these difficult times! If your lease is up and you are apprehensive about the process of getting a new one...Don’t be! It was streamlined and efficient!

    29. buy here pay here San Mateo dealer review by Tom

      Tom rated Select Motors

      I bought a 2015 Alpina BMW from these guys. The car was absolutely pristine with 30,000 miles on it. I felt like i had gotten a brand new car for half the price. The guys there are foreigners and not really willing to haggle on price because the pricing is already excellent. I would not worry too much about their manners. They are just matter of fact and direct. I always check out their inventory because they get some really nice cars. I will buy from them again

    30. buy here pay here San Mateo dealer review by Barry Cook

      Barry Cook rated Select Motors

      I searched for the car the year the milage and price range. I also knew the features I wanted. So when I read some of the reviewsi realized many of these people were shopping but not necessarily looking for something in particular. Horatrio knows his cars, loves cars and makes a living finding specific types of cars. He handled his business with me like a pro. He isn't necessarily your friendly stop by and drive a all my high end cars and leave. He doesn't play that game. He sells high end, high tech, high quality automobiles. And yes you may find your car a grand or so cheaper. But if you know what you're looking for this is where to go to! Select Motors I'll be back again for sure!

    31. buy here pay here San Mateo dealer review by James L. Richard II

      James L. Richard II rated Trax Auto Wholesale Inc

      What makes Trax Auto Wholesale a paramount business is its manager, Manny, and it's co-manager, Carlos. Manny is knowledgeable in all aspects of automobile specifics. His familiarity with makes, models, automotive engineering, and the gamut of automobile related areas is comprehensive. In other words, Manny knows his stuff. Furthermore, he is personable, polite, and willing to serve the customer without the hard-sell associated with this type of entity. If you're looking for a used car, give Manny a call, or pay him a visit, and employ Trax Auto Wholesale for your used car needs

    32. buy here pay here San Mateo dealer review by Elaheh Berenji

      Elaheh Berenji rated Trax Auto Wholesale Inc

      purchase this beautiful C250 from Trax Auto Wholesale Inc for a great price. Carlos was a professional took his time and explained all my options for financing. I would highly recommend Thank you guys very happy with my purchase

    33. buy here pay here San Mateo dealer review by Joe Spittle

      Joe Spittle rated Veracom Ford

      ill go ahead and give it 5 stars to boost their morale. Looked at their website before buying a FiST, they still have 2017's listed on their lot lmaoooooooo

    34. buy here pay here San Mateo dealer review by Scott Shawver

      Scott Shawver rated Veracom Ford

      My experience with Veracom Ford has been consistently excellent. I had been researching used cars for a few weeks and had driven all over the Bay Area into the east bay, up to Marin County, and down in Santa Clara. After a holiday weekend I started over ( discouraged ) and was pleased to find a new listing more close to home here in San Mateo. This proved to be most fortunate. Immediately it was significantly and substantially different from all the other dealerships I had visited. I was totally impressed with the culture of integrity throughout. I liked that the staff were very knowledgeable, forthright, and collaborative. They clearly respect and support each other, which felt great to see. The service department manager, Harry, was straightforward and sincere ( SO refreshing ) and Phillip, the gentleman leading the sales team, has been exemplary because of his consistent integrity then and since. Now, two years later, and after several follow-up interactions, I am posting this. I recommend Veracom Ford highly, as my experience has been deeply satisfying without exception. I’m grateful I came across them and will most likely never go anywhere else.

    BHPH San Mateo CA dealer

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