Top 14 Buy Here Pay Here Dealers in Santa Rosa CA

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

Connect with top 14 buy here pay here Santa Rosa CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Santa Rosa'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 Rosa CA

  • Encore Motor Group, CA

  • Jim Bone Kia, CA

  • Hiatt Auto Sales, CA

  • Manly Honda, CA

  • Carriage Motors, CA

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

  • RCU Auto Services, CA

  • CarMax, CA

  • Car Mart, CA

  • Lithia Chrysler Dodge Jeep Ram Fiat of Santa Rosa, CA

  • Skyline Auto Sales, CA

  • Did you know? These BHPH Santa Rosa 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 Rosa 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.

  • Fito’s Auto Sales Inc., CA

  • Hansel Acura, CA

  • Kings Auto Sale, CA

  • Luna’s Auto Sales, CA

  • Why buy here pay here Santa Rosa 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 Rosa 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 Rosa 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 Rosa CA Works

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

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

    The buy here pay here Santa Rosa 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 Rosa 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 Rosa 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 Rosa 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 Rosa 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 Rosa 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 Rosa 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 Rosa 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 Rosa CA buy here pay here Reviews

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

    1. buy here pay here Santa Rosa dealer review by stephanie velazquez

      stephanie velazquez rated Encore Motor Group

      I rarely write reviews but I had to for this one. I am a first time buyer and only 20 years old. They did EVERYTHING they could to get me to qualify on my own, which they did! Everyone here is so helpful. They always recommend what’s best and they explained everything to me in perfect detail. I 100% recommend this dealership to anyone in Sonoma county looking for a new car. My experience was unbelievable I can’t even put it into words other than THANK YOU!!!

    2. buy here pay here Santa Rosa dealer review by Brandon

      Brandon rated Encore Motor Group

      My wife's and my experience with encore motor group could not have been better. We wanted to purchase a car and went to many car brand dealerships and had terrible experiences, manipulating, lying, and hours of wasted time. We went to Encore Motor Group and immediately was greeted as if we were family. We had a car in mind and got to test drive it immediately by ourselves which never happens in a big brand car dealership. We got back to the dealership and wasn't lied to and scammed but immediately was shown the breakdown of the car price on a computer showing exactly what we were paying for and what they were making on the car. We were amazed with the transparency and honesty we saw with this family owned business. We left to deliberate. We came back to purchase the car and within 20 min we owned a new used car and drove off the lot. On top of purchasing a car we had a very pleasant conversation with the owner and staff and really felt like family and was invited to come back and visit when we're in the area. We made friends and bought a car at a great price, and couldn't be happier. Thanks Encore Motor Group!

    3. buy here pay here Santa Rosa dealer review by Celeste Hoffman

      Celeste Hoffman rated Jim Bone Kia

      Great employee work ethic taking place! Lots of amenities to enjoy during your appointment wait such as: free popcorn, coffee, fruit and chips. I’ve never been to a repair shop that also has a children’s play area and free computer and television choices. This is a great place to get some paperwork done, while you get your car maintenance done. Thanks for the efficient appointment and a nice clean place. Well done!

    4. buy here pay here Santa Rosa dealer review by M T

      M T rated Jim Bone Kia

      Great customer service ?

    5. buy here pay here Santa Rosa dealer review by Annie Drayton

      Annie Drayton rated Hiatt Auto Sales

      I bought my Ford Taurus over two years ago and haven't regretted it. I call her Blessing because my ability to get her at such a wonderful deal that it was a blessing! I was the second owner and it had way less than seventy thousand miles on it. The best thing of all, I was able to pay cash! The car dealer was very nice and helpful. I recommend going there first. It may be the only place you would need to go!!!!

    6. buy here pay here Santa Rosa dealer review by joe kasainaseva

      joe kasainaseva rated Hiatt Auto Sales

      Best car dealer in town

    7. buy here pay here Santa Rosa dealer review by Amanda Barry

      Amanda Barry rated Manly Honda

      I had a great experience here. They were professional and made everything very clear. I took my car here to be serviced for the first time since I bought it at a different dealership. They explained why I was having the issues I was having and how to resolve it. They suggested different options that would ideally save me money. Chris Reid in the service department was communicative and I am thankful to have a reliable Honda dealership so close to me. Would recommend to anyone with a Honda in the area.

    8. buy here pay here Santa Rosa dealer review by Joe Selstrom

      Joe Selstrom rated Manly Honda

      Professional. Very nice facility. No back and forth over cost. Used the Costco program. Everything on the up and up.

    9. buy here pay here Santa Rosa dealer review by Kusuma Sparks

      Kusuma Sparks rated Carriage Motors

      So nice, I called for mechanical help, not realizing they didn't do repairs, and they gave me happy and generous phone support to troubleshoot my issue anyway! So nice

    10. buy here pay here Santa Rosa dealer review by kristin hollis

      kristin hollis rated Carriage Motors

      Amazing customer service ! It's a small family owned business and the pride they take in their service and cars really shows . We bought our son his first car from them and if we need another car we will go to Carriage for sure ! We went to practically every used car lot in SR before ending up here and I wish we would have just started our search here ...the quality of cars surpassed every other lot we went to (including some bigger lots like Ford and Jeep!) And then the amazing service on top of it made the whole experience easy. I dislike the whole process of buying a car but they made it a great one . We didn't finance the car so I can speak to how that process goes but based on everything else we experienced I feel safe saying that would be an easy process also. We bought the car but then left of vacation so the car stayed at their lot for a week and they washed and detailed it and had it ready. The car needed gas and they offered to go fill it up for us but we were in a little bit of a hurry so they just gave us the cash for gas which was really nice of them ..side note we bought a used car a year ago from another lot (skyline ) & aside from that whole thing being an ordeal they let us drive the car off the lot on fumes ...they along with many other lots should take note on how Carriage takes care of their customers ! We are lifelong ones now .

    11. buy here pay here Santa Rosa dealer review by Joey Ngo

      Joey Ngo rated RCU Auto Services

      They're awesome! Came in for a appraisal, completed in 5 minutes, can't back to actual trade in and that only took 10 minutes. The team is nice and courteous. Recommend

    12. buy here pay here Santa Rosa dealer review by Duane Hearrell

      Duane Hearrell rated RCU Auto Services

      I have purchased three cars here. Best place to buy and finance.

    13. buy here pay here Santa Rosa dealer review by JOHAN MOLINA

      JOHAN MOLINA rated CarMax

      Great selection of cars at this location. Other Carmax locations will either ship for free or for a fee if you find a car in another state. Not obligated to buy either. Had a great experience and the associate worked with me even though my credit was not the greatest. Paperwork was a lot as expected. Recommend MaxCar warranty which can be added to the no haggle price. Carmax cars go through a 120 point inspection before they sell them so you can be sure they will take care of you if needed. My sister already bought a car 2 weeks after I did. Would recommend to start out browsing online, getting in touch with an associate, test driving, and then driving home in your previously owned vehicle. Comes with 7 day no questions asked return policy and 90 day warranty. Great experience, just don't look at inventory after purchase like I did and see a better deal. Utilize the 7 day policy by driving car as much as you can and inspect it inside and out. Great service and would highly recommend the overall experience. Associate still checks in with me 3 times after purchase. A+++++

    14. buy here pay here Santa Rosa dealer review by Melanie Smith

      Melanie Smith rated CarMax

      The customer service is outstanding! The sales person was informative and willing to take the extra mile to ensure that my questions were answered promptly and accurately. The 7-day love it or leave it, is priceless! Since I purchased my 2016 BMW 535d xi, I have referred four potential customers. The service department greets you with a smile and they treat you with the utmost of courtesy and consideration. I will definitely continue to refer potential customers!! Thank you Carmax, Santa Rosa, CA!!

    15. buy here pay here Santa Rosa dealer review by Caroline Everett

      Caroline Everett rated Car Mart

      Excellent experience. Only $35 to leave your car on the lot for the weekend. We sold our minivan in one day and best of all the owner of the business was very helpful in helping us fill out the appropriate paperwork. Selling a car to a complete stranger is a little nerve-racking , but he made it much easier. Very nice people to work with and a very simple process. Highly recommend!

    16. buy here pay here Santa Rosa dealer review by vitos finaltouch

      vitos finaltouch rated Car Mart

      Nice people

    17. buy here pay here Santa Rosa dealer review by Gabriel Ameral

      Gabriel Ameral rated Lithia Chrysler Dodge Jeep Ram Fiat of Santa Rosa

      My name is Andres and Renaud was the greatest. He was very professional and he helped me out and kept a great communication the entire process. A +

    18. buy here pay here Santa Rosa dealer review by Andrea Nelson

      Andrea Nelson rated Lithia Chrysler Dodge Jeep Ram Fiat of Santa Rosa

      Last June I bought a really cool Jeep Cherokee Trail Hawk from Ford for my birthday. However they "forgot to mention" the previous owner NEVER had the scheduled maintenance done at 30 and 60 thousand miles. So when I received a recall notice in the mail, Ford directed me to Lithia CDJRF for both the maintenance and recall repair. Tim my service advisor, was not only very helpful to accommodate my schedule, he also did what he could to help keep the cost within my budget ensuring that I was able to get all the repairs completed. This is the first auto shop that has ever helped me in that way. Thank You Lithia and Tim for such excellent customer service.

    19. buy here pay here Santa Rosa dealer review by Bash

      Bash rated Skyline Auto Sales

      So far so good! Went way more out of their way than any other dealership I’ve been to and would be willing to buy a car here again.

    20. buy here pay here Santa Rosa dealer review by Kimberly Williams

      Kimberly Williams rated Skyline Auto Sales

      Jennifer, Danny and Jason are amazing!!! They really went above and beyond to help me in my situation and get me into an amazing vehicle. Now the kids and I can relax knowing I have reliable transportation to work, the boys can get to school, practices and games and we can go on those fun weekend road trips. Thank you so much for all your help!!!! We are so grateful!!!!

    21. buy here pay here Santa Rosa dealer review by Stanley Carlisle

      Stanley Carlisle rated Fito’s Auto Sales Inc.

      Jessica steered us to the best option, and we (Lydia and Stan) left there with a good sound, economical registered car. Thanks Jessica!

    22. buy here pay here Santa Rosa dealer review by Darrin Bahr

      Darrin Bahr rated Fito’s Auto Sales Inc.

      Great place to find your next car and fair prices too

    23. buy here pay here Santa Rosa dealer review by Maddie Bourne

      Maddie Bourne rated Hansel Acura

      I went in on a my day off to look at new cars. It was my very first time purchasing a car. I worked with a very kind gentleman named Victor who made it the most comfortable experience. He put no pressure on me, he answered all of my questions and was just a very thorough person to work without a bunch of back and forth negotiations. Just an honest deal. HIGHLY RECOMMEND!

    24. buy here pay here Santa Rosa dealer review by Michael Scott

      Michael Scott rated Hansel Acura

      An honest dealership. I never thought I would say that. Brought in my 2017 TLX a few times for routine maintenance. The customer service was fantastic. In fact, the service was so good I switched my service for our 2017 Odyssey from just down the street to this dealership.

    25. buy here pay here Santa Rosa dealer review by Yesenia Gonzalez

      Yesenia Gonzalez rated Kings Auto Sale

      Great experience! Raymond and Victor were of great assistance & got a great vehicle for a decent price and it was so quick and easy! I appreciate and recognize good service & if you want to feel that experience then I would go here. So far, no problems!

    26. buy here pay here Santa Rosa dealer review by TheKickUp Kidd

      TheKickUp Kidd rated Kings Auto Sale

      Great dudes,solid deals. Came in on a bike and left in a slick ride.

    27. buy here pay here Santa Rosa dealer review by omar varela

      omar varela rated Luna’s Auto Sales

      It's amazing

    BHPH Santa Rosa CA dealer

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