Top 8 Buy Here Pay Here Dealers in Simi Valley CA

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

Connect with top 8 buy here pay here Simi Valley CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Simi Valley'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 Simi Valley CA

  • Vista Motors, CA

  • Simi Valley Toyota, CA

  • 1st Nissan of Simi Valley, CA

  • First Kia, CA

  • Mercedes-Benz of Thousand Oaks, CA

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

  • Alexander Buick Gmc Of Simi Valley, CA

  • Simi Valley Chrysler Dodge Jeep RAM, CA

  • Simi Valley Ford, CA

  • Why buy here pay here Simi Valley 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 Simi Valley 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 Simi Valley 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 Simi Valley CA Works

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

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

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

    While buy here pay here Simi Valley 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 Simi Valley 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.

    Simi Valley CA buy here pay here Reviews

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

    1. buy here pay here Simi Valley dealer review by stuart McCauley

      stuart McCauley rated Vista Motors

      My wife & I worked with Jr at Vista Motors in Simi Valley ,CA - we had a trade in with a few concerns that we were honest and up front about , and we were really on the fence about a Mom & POP used car dealers on a corner . I was warned and also know better , but!! This past Sunday our experience was No stress , Jr was solution oriented & navigate his seasoned business skills to make us comfortable going forward with our business transaction. At Vista Motors they do not apply pressure or like large dealerships they don’t even let you get out of the car before moving in on you . They let you walk there little lot and if you ! Decide regarding any cars it’s your choice to inquire. I give this family owned operation 5 stars - we left with a 2017 Toyota Camry and felt good about the out come - plus we were not there all day. Great place !! Seasoned family that wants positive results for the customers & there business ????

    2. buy here pay here Simi Valley dealer review by Mimi G

      Mimi G rated Vista Motors

      Wonder experience at Vista, Very professional and welcoming. We are satisfied with the purchase we made as well as the great customer service. We were happy to support this family business. Keep up the good work Vista.

    3. buy here pay here Simi Valley dealer review by Russell Conte

      Russell Conte rated Simi Valley Toyota

      Wow! What a pleasure to do business with Simi Valley Toyota! I had done my research ad nauseum, test drove almost every model of SUV with three rows at least once and sometimes more (just to make sure...) After all my research was done, the Toyota Highlander Hybrid came out on top, and I dug deep to decide on the features I wanted (yep - I like creature comforts coupled with great gas mileage and decided on the Platinum Limited), the price I was willing to pay, and made ready to buy. I called every dealership that had the vehicle with the specs I wanted and gave them every opportunity to earn my business. One dealership was spot on - except the color. I guess the other dealerships thought I wasn't serious, so when I shared this information with them, they told me they couldn't match the deal. OK... I was just about to acquiesce and except the compromise color, when I did some more sleuthing and found Simi Valley Toyota with MY CAR! I called just before 9 PM on Friday evening and spoke with Matt. When I shared the deal I had brokered and the proof, he asked to call me back in a few minutes. I was startled when just a couple of minutes later he called me back and met the deal. The next day, I showed up at the dealership (it was a trek - more than 40 miles from my work), introduced myself, and was put in the capable hands of Doug. I test drove the car, decided it was indeed MY CAR, and we sat down to the business at hand. A few hours later, with the additional help of Marlon who worked on getting me the price I wanted for my trade in and Ricardo who prepared the reams of paperwork for me to sign, I was driving home in MY CAR - no haggling, no slight-of-hand, and a better deal than when I walked in. If you are in the market and are considering Toyota, really, you need look no further than Simi Valley Toyota. From the moment I walked in to the moment I drove off, no twinge of regret. I actually liked giving them my money (and I don't say that often.) They are great people who provide great service and a dealership with great selection. Simi Valley Toyota is well worth the drive and your consideration.

    4. buy here pay here Simi Valley dealer review by Emily Rzentkowski

      Emily Rzentkowski rated Simi Valley Toyota

      This dealership is full of phenomenal people. I own a Jeep...a JEEP...not even a Toyota and these folks went above and beyond to deliver me an experience and help me get my car in working order again, regardless. Highly recommend.

    5. buy here pay here Simi Valley dealer review by Cheeky Delinquent

      Cheeky Delinquent rated 1st Nissan of Simi Valley

      I had a great experience! Robert Martel assisted me and it was a pleasure working with him the entire time because I didn't feel the need to worry. He's kind and genuine, very transparent about the repairs. My car is running like new. The engine is softly purring again and the transmission performance is now flawless. I only had to wait a few days for everything to be ready.

    6. buy here pay here Simi Valley dealer review by James McGillis

      James McGillis rated 1st Nissan of Simi Valley

      I traded in my Nissan Titan 2012 for a new Titan XD with Cummins turbo-diesel engine. Fairness and respect are the words that come to mind. Everyone treated me well and made buying my fifth new Nissan a pleasure.

    7. buy here pay here Simi Valley dealer review by Anthony J Smets

      Anthony J Smets rated First Kia

      What I loved about this dealership was that everyone was understanding and real. Josh was great! This was my first car I have ever bought and he knew what car was going to be the most suitable; especially finding a car that I could afford being in college and having a part time job. I appreciated his advice and his time in making sure I was 100% satisfied. Thank you to Kia and Josh in making my first experience amazing. I will definitely recommend this dealership to anyone who is looking to buy a car; they will have me coming back in the future for sure.

    8. buy here pay here Simi Valley dealer review by Joshua Vafee

      Joshua Vafee rated First Kia

      wonderful place not pushy and they worked with me to get the car i really wanted thank you 1st kia. I will be back when my optima lease is done ...Go First Kia and ask for Josh in sales!!

    9. buy here pay here Simi Valley dealer review by Lance Novak

      Lance Novak rated Mercedes-Benz of Thousand Oaks

      It was a pleasure working with Alex in the service department as usual! (on Thursday, April 2nd) I appreciate his professionalism, customer service skills, and diligence in making sure that my vehicle is well cared for. Also, he even provided me with a $50 coupon this time; I didn't notice it until a few days later when I looked at my receipt/vehicle report. Alex certainly didn't have to do that but I appreciate it very much! Much like the sales department, the service department always seems knowledgeable, straightforward, flexible, and "chill"/low-key in terms of not trying to scare you into doing all sorts of maintenance you don't need. I have serviced my C250 here since 2015 for everything it has ever needed and will continue to use Mercedes of Thousand Oaks for the entire life of my Mercedes. Thank you Alex for always doing such a great job!

    10. buy here pay here Simi Valley dealer review by Daniel Iglesias Sr

      Daniel Iglesias Sr rated Mercedes-Benz of Thousand Oaks

      If you're looking for a Mercedes, this is the best dealership I've been to. Very low key, no plushie high pitch sales people. Very Chill. Must ask for Nick . He's the best.

    11. buy here pay here Simi Valley dealer review by Darlene Audrey

      Darlene Audrey rated Alexander Buick Gmc Of Simi Valley

      Service Writer Scott Gomez provided excellent, time sensitive service to our family. He fully understood the issue we were experiencing and the time constraints as we use the truck to haul horses, one of ours needed to be transported to the hospital within a few days. He made our appointment and repair transaction as seamless and smooth as physically possible. We were able to get the care we needed thanks to his expertise. Thanks Scott, you Rock Bro!!

    12. buy here pay here Simi Valley dealer review by Garrett S

      Garrett S rated Alexander Buick Gmc Of Simi Valley

      Ed and Wayne were great. Spent hours with me while I figured out which vehicle I wanted and never pressured me to buy. They are there to help you decide what you want, not to push you in to it. Best car buying experience I've had. Would recommend to anyone looking for GMC or Buicks.

    13. buy here pay here Simi Valley dealer review by Larry H

      Larry H rated Simi Valley Chrysler Dodge Jeep RAM

      Unfortunately had dual batteries on my Jeep go dead required warranty repair. Due to quarantine i was unable to dtive the car in. Car towed in for repair and was due for oil service as well. Car was repaired and returned to me the next day. Very helpful during this time when not having a vehicle just added to house hold stress. Great job. Thanks for making it easier for me.

    14. buy here pay here Simi Valley dealer review by Isaac Alon

      Isaac Alon rated Simi Valley Chrysler Dodge Jeep RAM

      Love the service department. They always take great care with my car! Jacob is really helpful and involved. Definitely recommend

    15. buy here pay here Simi Valley dealer review by Jerry Arko

      Jerry Arko rated Simi Valley Ford

      Special ordered a set of wheel bolt chrome caps and said that it'll be arriving in less than 24 hours (10 AM, tomorrow morning, on Saturday!) Now that's what I call great availability and awesome customer service at both the parts and cashier counters. My brother has a large running account with all his work trucks and has been with them for a very long time. I started going there since I bought my 2008 FORD FOCUS SVT. It's conveniently nearly to where I live, about 10 minutes away.

    16. buy here pay here Simi Valley dealer review by Judy Ryan

      Judy Ryan rated Simi Valley Ford

      We had a great experience with my new car purchase. Even with effective social distancing finding my dream car the 2020 Ford Explorer was super easy with the help of Tatyana who was very friendly and helpful. Henry who we have dealt with many times in the past went above and beyond as usual. A big shout out to Simi Valley Ford.

    BHPH Simi Valley CA dealer

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