Top 10 Buy Here Pay Here Dealers in Santa Clarita CA

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

Connect with top 10 buy here pay here Santa Clarita CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Santa Clarita'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 Clarita CA

  • Mountain Motors, CA

  • Kia of Valencia, CA

  • MINI of Valencia, CA

  • Valencia Acura, CA

  • 818 Auto Sales, CA

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

  • Mountain Motors, CA

  • Ready 4 Cars Automotive, CA

  • Valencia Auto Center, CA

  • Parkway Cadillac Valencia, CA

  • Ready 4 Cars, CA

  • Did you know? These BHPH Santa Clarita 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 Clarita 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.

    Why buy here pay here Santa Clarita 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 Clarita 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 Clarita 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 Clarita CA Works

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

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

    The buy here pay here Santa Clarita 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 Clarita 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 Clarita 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 Clarita 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 Clarita 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 Clarita 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 Clarita 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 Clarita 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 Clarita CA buy here pay here Reviews

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

    1. buy here pay here Santa Clarita dealer review by Victor Yucute

      Victor Yucute rated Mountain Motors

      Drove around Los Angeles looking for a vehicle fit for my familly every dealer we stoped to was giving us the run around or trying to sell us something we didnt need . Spoke to Octavio over the phone and was very helpfull drove there and met him and helped us every step of the way . I have to say this was the best car buying experience ever !!!! No hassels no lies no bull .the price was in our budget and the suv is in great condition . Thanks and my familly thanks you .

    2. buy here pay here Santa Clarita dealer review by Debra Vigil

      Debra Vigil rated Mountain Motors

      Great service

    3. buy here pay here Santa Clarita dealer review by Pamela Abraham

      Pamela Abraham rated Kia of Valencia

      I went to Kia of Valencia with the hope to turn in my lease that was up and lease another Kia. Omar approached me and made me feel welcome immediately. He made my car searching experience simple and so easy. It honestly was not stressful at all because of him. Omar introduced me to Jose Lopez, the Finance Manager, who told me that no matter what my needs were that they would help me. I picked a 2020 Optima that I really liked and we started doing the numbers. Jose is a no nonsense guy and really said it how it was but took everything I needed into account. We went back and forth and reached an agreement which ended up being better than what I walked in thinking I would get. Jose really knows customer service as well. His finance team was backed up so instead of making me wait to sign my papers, he went to the finance office and printed all the papers for me to sign. He went over each of them with me and didn't leave until he knew I was back in Omar's hands and had my new vehicle ready to go. I am so happy with my experience at Kia of Valencia and will definitely be back. I will also be referring friends and family and letting them know how smooth and easy my experience was due to Jose and Omar. Thank you Jose and Omar! Pamela Abraham

    4. buy here pay here Santa Clarita dealer review by Connor Griffith

      Connor Griffith rated Kia of Valencia

      Just leased a Forte from Kia of Valencia, the process was made very simple and painless due to the great customer service I received from Omar Abuzaid. He was very easy to talk to and was able to address any questions or concerns I had throughout the process. He also walked me through getting my phone connected to the car and some of the features I wasn’t familiar with.

    5. buy here pay here Santa Clarita dealer review by Kevin Hall

      Kevin Hall rated MINI of Valencia

      I recently brought my Mini Clubman in for service and received top notch service from Mini of Valencia. They went out of their way to ensure the work was done correctly and expediently. Thank you, I'll be back!

    6. buy here pay here Santa Clarita dealer review by MB Hemler

      MB Hemler rated MINI of Valencia

      Katie was so helpful and nice while I was buying a used car - 100% devoted to making sure I was comfortable in and happy with my car throughout the purchase. The car was also detailed immaculately and in even better condition than I anticipated. By far the best experience I've had at a dealership!

    7. buy here pay here Santa Clarita dealer review by T Ochoa

      T Ochoa rated Valencia Acura

      First off, I was attracted by how clean and orderly their lot was presented. Their vehicles were nicely lined up, and we were greeted immediately. The sales men, Chris, was polite, respectful and patient. We were further impressed by how nicely we were treated by sales manager, John. Those of you who have purchased a car know how much of a pain the managers can be. John was the opposite of that. This was my first purchase of an Acura. Based on my experience today, they have made a long time customer out of me. I would highly endorse this place for your next purchase/lease. Thanks to the people at Valencia Acura for making today such a great experience.

    8. buy here pay here Santa Clarita dealer review by Christie N

      Christie N rated Valencia Acura

      This is the best location to get your Acura serviced! Mike was my rep and he is honest, makes sure you get any applicable discounts, very nice and knowledgeable. The other staff there were nice too!

    9. buy here pay here Santa Clarita dealer review by Sandy Onopa

      Sandy Onopa rated 818 Auto Sales

      I love the dealer and their prices. Thanks Chris

    10. buy here pay here Santa Clarita dealer review by Allen Dominguez

      Allen Dominguez rated 818 Auto Sales

      I've been car shopping for about two months going from dealership to dealership trying to get approved hearing the same word every time "SORRY". Until I came across an Ad on craigslist for a 2008 Bmw 328i it was the exact color I wanted. Jay's phone number was posted on the ad so I gave him a call , he was so nice and gave me all the information I needed. Stopped by 818 Auto Sales the next day for a test drive and I absolutely loved how the car ran. I asked jay to work me out a deal since my credit is in the poor side, I was able to get $1500 off the car! My financing was fair as well and Jay clearly showed me what I would be paying without any hesitation laying out the entire breakdown in front of me made me feel so comfortable. I couldn't of been happier with my purchase.I just seen a 2007 Toyota FJ Cruiser I've been having my eye on, I can't wait to come in and get a great deal for my wife. It just doesn't make sense to buy a car anywhere else! Thanks Jay!

    11. buy here pay here Santa Clarita dealer review by HACKER One

      HACKER One rated Mountain Motors

      Mountain Motors has a key player he is the Top Sales/Finance/Admin/Porter and is Amazing! I don’t understand why people would say different; because of him, I now am a proud owner of a white Mercedes Benz sedan;; he walks on water; I can’t praise him enough; if your looking for a man to truly help you get into a nice car, look no further...Octavio Prada, thank you for everything and thank you for making me feel like a VIP in the world of credit!! You are like no one else in the car industry, Mountain Motors is number one!

    12. buy here pay here Santa Clarita dealer review by tucarrosv .

      tucarrosv . rated Mountain Motors

      Nice attention and good cars...!!!

    13. buy here pay here Santa Clarita dealer review by barber girl

      barber girl rated Ready 4 Cars Automotive

      this is one of the few places that you can go and really get a great deal on an amazingly beautiful car. Albert is a number one salesman who is compassionate professional and very understanding this is the place to come get that car that you wanted for so long add a great deal. Customer 4 life

    14. buy here pay here Santa Clarita dealer review by Alberto Castenetto

      Alberto Castenetto rated Ready 4 Cars Automotive

      It was awesome the salesman Alberto is super nice very honest I trust him a lot and gave me a great deal on my new car !!!!!

    15. buy here pay here Santa Clarita dealer review by J L

      J L rated Valencia Auto Center

      Very friendly salesmen. They don't pressure you into doing anything. My wife and I bought a 2019 RAV 4 LIMITED & they even got us the monthly payment that we can afford. I highly recommend Valencia Toyota! Great job and keep up the good work!

    16. buy here pay here Santa Clarita dealer review by Michele Sanchez

      Michele Sanchez rated Valencia Auto Center

      Great car buying experience, I have had my Murano for a year and a half and still LOVE it. Went and had it services Glen is the guy to see. Great service.

    17. buy here pay here Santa Clarita dealer review by Aaron Bantegui

      Aaron Bantegui rated Parkway Cadillac Valencia

      This review is long overdue. These guys were fantastic!!! They made the whole process so easy, we were in and out. Everyone was very professional and very pleasant to work with, but our guys were Anthony and Martin. They are the BEST!!! They made us feel like we were VIP. Haven’t experienced that type of great customer service in a while (from anywhere), so you really know it when you get treated well. We’re absolutely making this our go to dealership. We’re so happy to get a new car early for Christmas, it makes the driving much better during the holiday traffic. We got the 2020 Cadillac XT6 Sport in pearl white and it is an awesome ride.

    18. buy here pay here Santa Clarita dealer review by Izabella Azizyan

      Izabella Azizyan rated Parkway Cadillac Valencia

      I wish I could give 10 stars, I never got service like I got from Parkway Cadillac! Wow! Staff very professional, friendly, and welcoming! Especially THOMAS INTERNET SALES MANAGER!!!! When you go there ask for him, he is a car guru! his costumer service is truly AMAZING! He goes above and beyond to make his costumers happy!

    BHPH Santa Clarita CA dealer

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