Top 15 Buy Here Pay Here Dealers in Santa Ana CA

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

Connect with top 15 buy here pay here Santa Ana CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Santa Ana'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 Santa Ana CA

  • Quantum Auto Sales, Inc, CA

  • AutoNow, CA

  • JP Motors, CA

  • Crevier BMW, CA

  • The Car Store, CA

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


  • Auto Ranch – Santa Ana, CA, CA

  • OC Carz, CA

  • Auto Max, CA

  • Auto Republic Santa Ana, CA

  • Did you know? These BHPH Santa Ana 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 Santa Ana 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.

  • Sterling Imports, CA



  • Auto Ranch, CA

  • California Motors Direct, CA

  • The phrase buy here pay here Santa Ana 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. Santa Ana 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.

    Why buy here pay here Santa Ana 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 Santa Ana 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 Santa Ana 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 Santa Ana CA Works

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

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

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

    While buy here pay here Santa Ana 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 Santa Ana 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.

    Santa Ana CA buy here pay here Reviews

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

    1. buy here pay here Santa Ana dealer review by Mj Vannuyen

      Mj Vannuyen rated Quantum Auto Sales, Inc

      Was helping my sister in law look for a new car. We stopped at Quantum and she saw this Red Nissan that she really liked. Ivan came out to help. We told him what we had to put down, what we needed the payment to be. He really made it so easy. He also gave us a complete breakdown of details when it came to price. He stayed within our budget. He also got her a free window tint. The whole process was very painless and quick. We are 100% satisfied with the service and feel very comfortable with our purchase! Less than 1hr for everything. Totally recommend this lot!

    2. buy here pay here Santa Ana dealer review by Alex Rowe jr.

      Alex Rowe jr. rated Quantum Auto Sales, Inc

      Mike I appreciate your service!!! You did everything to please us and I'm grateful!! I'll tell everyone in LA to make the drive you wont be disappointed!!

    3. buy here pay here Santa Ana dealer review by Nancy Stiefel

      Nancy Stiefel rated AutoNow

      Amazing staff, friendly very knowledgeable. We loved the car. Unfortunately we were unable to obtain it right then and there. Andre was amazing took us to all lots to see what was there. Reworking our finances

    4. buy here pay here Santa Ana dealer review by lupe morales

      lupe morales rated AutoNow

      Gus Diaz was very helpful sales manager by getting me a car. I recommended everyone to come see him to buy a car you won’t regret it

    5. buy here pay here Santa Ana dealer review by Andrew Galvan

      Andrew Galvan rated JP Motors

      4 a used car dealerships in santa ana. They have good quality cars 4 amazing prices

    6. buy here pay here Santa Ana dealer review by amber gonzalez

      amber gonzalez rated JP Motors

      Jorge, along with the other workers that were there were extremely helpful, I told him what I was looking for, and he was able to find something even better within my price range. They were all very friendly and patient with the process. They waited after their closing hours for me to have my paperwork finalized with my bank, and explained the break down of everything in a detailed manner. I would recommend this place to any looking to buy a car!

    7. buy here pay here Santa Ana dealer review by Steve Luna

      Steve Luna rated Crevier BMW

      I live miles away from this dealer and through troublesome times during quarantine, my BMW representative, Chase worked wonders online and on the phone to get me.into my new 5 series! M sport package, looks amazing and drives even better on the way back home! Was well worth the drive to sign and drive, fast process and definitely will be returning for service! I want to thank the BMW team and Crevier, best service, advisement, and financing was unbeatable! Drive the best because I work with the best! Thank you!

    8. buy here pay here Santa Ana dealer review by Joe Trapasso

      Joe Trapasso rated Crevier BMW

      Our buying experience at Crevier with Tobias was absolutely the easiest purchase I’ve ever done. And the car he ordered was a combination we hadn’t thought of, but so spectacular and unique. Thanks Tobias!

    9. buy here pay here Santa Ana dealer review by Jose Leon

      Jose Leon rated The Car Store

      All I can say is that this car dealership goes above and beyond for their customers. Carlo the owner has assisted me in getting me into the car I currently drive. He waited for me to get off from work and helped me get approve. He definitely has great customer service skills. He has definitely a lot of integrity and perseverance with his work. Go check him out for yourself don’t just take my word for it.

    10. buy here pay here Santa Ana dealer review by T S

      T S rated The Car Store

      Carlo and friends really helped me when I was in a tight pickle I appreciate all the hard work they did getting me the car I needed. 5 stars for allllll the way customer service from start to finish and I’m in the automotive industry so I have what kind of experience is expected. Thanks guys - definitely referring my friends and family.

    11. buy here pay here Santa Ana dealer review by Breezy Gallegos

      Breezy Gallegos rated JOHNNY’S MOTORS INC

      This is my second time buying a vehicle from Johnny's motor Inc. I know im in good hands with honesty, Integrity and all around very trusting people. I know that when I buy vehicles from Johnny's, I am getting a reliable affordable vehicle that is great quality. I recommend highly anyone looking for a trusting dealership who cares about providing excellent service and vehicles, this is the place to come to. You wont be disappointed!!! Thank you Johnny's Motor Inc

    12. buy here pay here Santa Ana dealer review by Carlos Gonzalez

      Carlos Gonzalez rated JOHNNY’S MOTORS INC

      For months I had been looking for a nice car but was on a budget. I saved up and was able to purchase a great vehicle here at a descent price. They’re definitely willing to work with you and are very professional. I definitely recommend this dealership to anyone looking to purchase a car cash!!!

    13. buy here pay here Santa Ana dealer review by Yaneth Martinez

      Yaneth Martinez rated Auto Ranch – Santa Ana, CA

      Nos atendieron bien mui atentos les invito abicitar Iber los carros están muibien

    14. buy here pay here Santa Ana dealer review by Marco Barrera

      Marco Barrera rated Auto Ranch – Santa Ana, CA

    15. buy here pay here Santa Ana dealer review by Mollie Kohler

      Mollie Kohler rated OC Carz

      If your feeling unsure about where to buy a used car and who to trust, TRUST THE REVIEWS. At first I went to a dealership that had bad reviews and instantly felt like I was being scammed and taken advantage of. Luckily, I bought the car of my dreams today at OC Carz thanks to the guys there that helped me through the whole thing. I started looking at lower priced cars and ended up talking myself into getting something more expensive, with absolutely no pressure from them to spend more money. Moe helped me with every question I had and didn’t try to upsell me on things I didn’t need. He got me an amazing warranty at an even better price, and made sure I felt confident in my decision. Him and Reza helped negotiate a monthly payment that I could handle, even though my credit is lacking. I walked out feeling amazing about my new car, and I know it’ll last a long time. When it’s time for a new one, I will DEFINITELY be back.

    16. buy here pay here Santa Ana dealer review by Jaqueline Cabello

      Jaqueline Cabello rated OC Carz

      Good service looks like new

    17. buy here pay here Santa Ana dealer review by smokeweed75100 .

      smokeweed75100 . rated Auto Max

      They gat nice cars

    18. buy here pay here Santa Ana dealer review by Adrie Brower

      Adrie Brower rated Auto Max

      This was the absolute best experience I have ever had buying a car. Jose, Juan, and Peyman are so friendly, provided fast, easy financing!! Loved it here. Oh and they were so nice to my teen boys!

    19. buy here pay here Santa Ana dealer review by Ed Herrera

      Ed Herrera rated Auto Republic Santa Ana

      Auto Republic straight up fair, honest, and just good people to work with. Plus a great variety and selection of cars at extremely good values. Thanks to all who I met there I'll be back.

    20. buy here pay here Santa Ana dealer review by Renee Carpio

      Renee Carpio rated Auto Republic Santa Ana

      Very helpful in cordial stuff I think I'll be by my next car here thank you Fernando

    21. buy here pay here Santa Ana dealer review by jessica Masters

      jessica Masters rated Sterling Imports

      Jazmin was great! She had paitence and able to multi task. She was able to help us get into the car we wanted!! Great staff and great cars!

    22. buy here pay here Santa Ana dealer review by Josue Leyva

      Josue Leyva rated Sterling Imports

      Sterling imports is a great place to get a car. After being turned down from 4 other dealers this Sterling Imports was my last choice when it should've been my 1st choice, & it was a quick and easy process getting approved & drove away in my new car.

    23. buy here pay here Santa Ana dealer review by zully rivera

      zully rivera rated US TOYOTA

      Just got a car with them! So far.Im loving it.. Thank you Ruben!!!

    24. buy here pay here Santa Ana dealer review by Shahla Asefi

      Shahla Asefi rated US TOYOTA

      Great service, very helpful with financing. I found a nice car here and have no problem. Running great :)

    25. buy here pay here Santa Ana dealer review by Sandra Diaz

      Sandra Diaz rated WESTERN MOTORS

      I was in search of a Audi A4 and saw it on Google at this dealer ship and made an appoitnment I drove all the way from Santa Maria CA. When I arrived I saw the car and just turned it on and bought it, the car runs and sounds really smooth I dont regret buying from here.

    26. buy here pay here Santa Ana dealer review by Rishikesh Shinde

      Rishikesh Shinde rated WESTERN MOTORS

      Very nice service! Sam is very good seller.

    27. buy here pay here Santa Ana dealer review by Johnna Kennedy

      Johnna Kennedy rated Auto Ranch

      Bought my first ever car here! The process wasn’t as complicated as I felt prior to coming. The employees were all super nice and very welcoming. I LOVE my new benzzz

    28. buy here pay here Santa Ana dealer review by Mo Alrifaee

      Mo Alrifaee rated Auto Ranch

      Soooo I was looking for an Infiniti for a while and noticed this dealership had some options. They provided me with excellent service and got me into the exact car I’ve been looking for!!!

    29. buy here pay here Santa Ana dealer review by Jack C

      Jack C rated California Motors Direct

      Great customer service, employees are all well dressed and behaved professionally, yet friendly at the same time. After finding the exact vehicle I wanted (2018 Blue Camry SE), I visited the dealership on an extremely busy Saturday afternoon. My representative, Luis, skipped lunch to take care of my appointment to test drive and answer all the questions I had for the 2018 Camry I wanted. Other employees, Frank and Ivan helped me get a discount on car keys and maintenance for my new car. Overall, I am happy with my experience and would recommend this dealership to others.

    30. buy here pay here Santa Ana dealer review by WorldRallyBlue_WRX

      WorldRallyBlue_WRX rated California Motors Direct

      Loved the experience, great selection of cars, cars are like brand new. Ask for Jonathan, he is an honest salesman, he sold me my dream car since I was in 8th grade, a 2016 Subaru WRX Limited, at a great price that I can afford. I recommend this dealership if you are looking for a mint, low milage vehicle, this is the place for you. ASK FOR JONATHAN. He will take care of you.

    BHPH Santa Ana CA dealer

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