Top 17 Buy Here Pay Here Dealers in Stockton CA

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

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

  • California Auto Sales, CA

  • Enterprise Car Sales, CA

  • Mega Motors Inc, CA

  • Delta Valley Motors, CA

  • Beas Auto Sales, CA

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

  • US Motors Stockton, CA

  • Acura of Stockton, CA

  • California Motors, CA

  • 209 Motors, CA

  • Valley Auto Sales, CA

  • Did you know? These BHPH Stockton 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 Stockton 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.

  • S & S Auto Sales, CA

  • Paul Blanco’s Good Car Company Stockton, CA

  • Stockton Auto World, CA

  • West Lane Auto Center, CA

  • S & S Auto Sales, CA

  • The phrase buy here pay here Stockton 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. Stockton 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.

  • Best Deal Auto Sales, CA

  • BabaCars, CA

  • Why buy here pay here Stockton 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 Stockton 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 Stockton 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 Stockton CA Works

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

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

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

    While buy here pay here Stockton 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 Stockton 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.

    Stockton CA buy here pay here Reviews

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

    1. buy here pay here Stockton dealer review by anna prediger

      anna prediger rated California Auto Sales

    2. buy here pay here Stockton dealer review by Enfenittii Santana

      Enfenittii Santana rated Enterprise Car Sales

      So I recently bought a new car and honestly I didn’t know exactly where I wanted to go. So I went to Stockton with my mind made up. I was going to purchase a car from hertz auto sales and when I arrived the first thing that I seen was Enterprise auto sales. They caught my attention just from their sign/logo and I knew I wanted a car from them. So I ditched hertz and went to Enterprise and I couldn’t have been more happy with my decision. They didn't haggle me the entire time they let me look around while giving me the info I wanted on each car. They were very nice and made me feel comfortable. And they had a lot of patience as I was going back and forth between cars many of times. When it came down to finding the one I wanted. They made the process very easy and fast. I was in and out in no time with my beautiful car. They made sure I got the best deal I could and gave me the best experience ever. I 100% recommend buying a car from Enterprise if you are in the market.

    3. buy here pay here Stockton dealer review by Kenneth Lema

      Kenneth Lema rated Enterprise Car Sales

      Awesome people, great selection !! I was very pleased by the experience !! Thank you Enterprise car sales Stockton Ca. Sincerely Kenneth

    4. buy here pay here Stockton dealer review by Angel Rodriguez

      Angel Rodriguez rated Mega Motors Inc

      A great place to get a vehicle BETO is the go to man he went above and beyond to get me approved for my beautiful Impala I cant be more happy with my purchase and service I got working with them !!!?

    5. buy here pay here Stockton dealer review by Sherri Englent

      Sherri Englent rated Mega Motors Inc

      Very helpful people very honest to me. I was women with three children looking for a good car they set me with a good payment plan and I will paying the car off soon I will always to do business with them.

    6. buy here pay here Stockton dealer review by Julie Murray

      Julie Murray rated Delta Valley Motors

      Tony has a great customer service, this is the 2nd vehicle that I have purchaaed from Delta Valley Motors. I bought the 1st car 6 months ago and Anthony was the sales rep for that sale and he was good as well (he is no longer working there now)

    7. buy here pay here Stockton dealer review by Tanya Ridley Ridley

      Tanya Ridley Ridley rated Delta Valley Motors

      Awesome people. Got a great deal on this sweet Honda CRV. Hope it will work out for me. Everyone should visit that place called Delta Valley motors in Stockton.

    8. buy here pay here Stockton dealer review by John Walker

      John Walker rated Beas Auto Sales

      Bought a vehicle a couple months back and it was a pleasant experience. Robert and Shawn helped me out and were able to work with me even though I had challenged credit. They were very straightforward with me at Beas. Thanks guys.

    9. buy here pay here Stockton dealer review by Brittney Wallace

      Brittney Wallace rated Beas Auto Sales

      My hubby and i went to tons of dealerahips, mainly "big name" dealers, and couldn't find good service or a car for our budget. Beas was great, got us into 2013 fusion for a great price and even got us a good loan for our crappy credit score :) leo helped us find the car, stivant got down on the paperwork and even came in after hours to set the deal. So happy with these guys, would definitely recommend this place to anyone looking for a car

    10. buy here pay here Stockton dealer review by Pam Ella

      Pam Ella rated US Motors Stockton

      This dealership is the BEST! I will even go as far as mentioning Roy my salesmen and Mark in financing these gentlemen worked their hardest to get me EXACTLY what I asked for as far as my monthly and down payment! And my car is FLY! I am so grateful I found US Motors and so happy to have had good, honest people working so hard to help me get the car I wanted and could afford. I would recommend EVERYONE to this dealership! Thank you Roy & Mark!

    11. buy here pay here Stockton dealer review by Leonard Gonzales

      Leonard Gonzales rated US Motors Stockton

      Roy is a very nice guy... I got a decent car for decent price... You always have a 30 day warranty

    12. buy here pay here Stockton dealer review by Joan Erreca

      Joan Erreca rated Acura of Stockton

      I had a wonderful experience at Stockton Acura. They were friendly, helpful, and knowledgeable. I can honestly say it’s probably one of the best car service experiences I’ve ever had. Although I don’t want further car issues, it’s comforting to know we’ll be in good hands when it does. Thank you so very much ?

    13. buy here pay here Stockton dealer review by William Yanes

      William Yanes rated Acura of Stockton

      Service and customer service are beyond exceptional. Steve (sales manager), Juan (Service manager) and Tony (Head mechanic) All go above and beyond expectations. I'll never buy another car from anywhere else.

    14. buy here pay here Stockton dealer review by Jermaine Odom

      Jermaine Odom rated California Motors

      Nice people. He delivered the car I wanted at the price we talked about. A good business. Thank you

    15. buy here pay here Stockton dealer review by Tyler Bowers

      Tyler Bowers rated California Motors

      DO NOT BUY FROM CALIFORNIA MOTORS! They do not inspect their vehicles properly when they receive them. When purchasing my truck at California motors, a message appeared on the trucks dashboard saying “low oil pressure, turn off immediately”. The owner swore that it was the sending unit, and that he would replace it for me before I took it home and offered me a 60 day warranty through them. They also promised that if it wasn’t the sending unit they would fix whatever the issue was. Two days later the owner drove the truck to my house and dropped it off (I was at work for the drop off). When I got home from work, I decided to take the truck for a drive to see if the oil pressure was fixed. Within driving the truck for a few minutes, the check engine light went off and the oil pressure gauge was sitting just above 0. I paid $300 to take the truck to Chevy for a full diagnostic report and get the truck inspected. It came back that the oil pump was bad and prior to delivering the truck the check engine light was turned off by the owner. It also showed my oil cooler lines were bad, there is a oil leak, the front passenger cv boot is busted, the shocks and struts are blown, and the front/back brakes need to be replaced. For the last 5 days I have been calling and requesting for the owner, every time Harvey answers the phone and tells me “He’s not in the office. I’ll have him call you.” This company if filled with nothing but fraudulent crooks and scum bags. They are dishonest in every aspect of their business and I will never refer anyone here.

    16. buy here pay here Stockton dealer review by Crange Crang

      Crange Crang rated 209 Motors

      I bought two vehicles from S&S motor or two and I motors both of worked out wonderfully

    17. buy here pay here Stockton dealer review by Alyssa Findlay

      Alyssa Findlay rated 209 Motors

      Best experience I could have being a first time car buyer! Roger was great, understood my situation and guaranteed me I'd be happy and I am! If you don't make much and have an alright credit score, go to them, talk to Roger and he will figure something out! He has even given me tips on credit and maybe even refinancing the car. I love the car but the radio didn't work but he told me right away they would fix it for free and the people even gave me a new one! Go to 209 Motors you won't regret it.

    18. buy here pay here Stockton dealer review by Vincente Enriguez

      Vincente Enriguez rated Valley Auto Sales

    19. buy here pay here Stockton dealer review by keenab

      keenab rated Valley Auto Sales

    20. buy here pay here Stockton dealer review by Steve Searcy

      Steve Searcy rated S & S Auto Sales

      Good service nice employees got me a great deal and out of there very quick ..my next purchase will be a s & s auto thanks....gracias!

    21. buy here pay here Stockton dealer review by Victoria Belasco

      Victoria Belasco rated S & S Auto Sales

      Thanks too s&s for selling me a beautiful car im so satisfied .. Salesman was also good

    22. buy here pay here Stockton dealer review by Bobby Moore

      Bobby Moore rated Paul Blanco’s Good Car Company Stockton

      Itzel did a beautiful job! She called me back and found my perfect car. I waited for her to help me out. She did the best work. The Lord has blessed me and put her in my path to find my perfect car. Right size right height. Thank you Allen for helping us finish everything to drive off with our car.

    23. buy here pay here Stockton dealer review by Nikey Castillo

      Nikey Castillo rated Paul Blanco’s Good Car Company Stockton

      So I’ve heard a lot of people say different things about this place. My fiancé and I decided to see what it was like because our car was on its last leg and I’m 9 months pregnant, will be having the baby any day now! We went in on Saturday, we met a salesman named Raul and from the beginning he was warm and welcoming to us. He was cheerful and kind and didn’t put any sort of pressure on us. We weren’t able to leave with a car that day but today we decided to pick one up! Raul went above and beyond to accommodate every aspect of our circumstances. I’ve never received customer service like that before let alone from a car dealership! Please buy your car from Paul Blanco and ask specifically for Raul, or a sweet older gentleman Moose. You won’t regret it!

    24. buy here pay here Stockton dealer review by Samantha Leyva

      Samantha Leyva rated Stockton Auto World

      I definitely recommend Stockton Auto World. Stephen and Bobby were able to get me approved for an auto loan which I thought would be IMPOSSIBLE. Yet here I am with my new to me 2016 Ford Fusion. I am so happy with the customer service, they went above and beyond my expectations.

    25. buy here pay here Stockton dealer review by Matt Mellinger

      Matt Mellinger rated Stockton Auto World

      Alex and Bobby were extremely helpful, held a truck for me for 24 hours as we negotiated a deal over the phone and I couldn’t make it until the next day. A couple of minor setbacks with the Carfax which they assured me are resolved. Even though a cash buyer came through that morning ready to buy my truck, they sent her packing and honored the deal we discussed. They even had the truck parked out front for me when I arrived. Highly recommend giving these guys and Stockton Auto World a look

    26. buy here pay here Stockton dealer review by Marco Miranda

      Marco Miranda rated West Lane Auto Center

      Some days you hit other days you dont but overall i love this place and the employees are great

    27. buy here pay here Stockton dealer review by Keri Newton

      Keri Newton rated West Lane Auto Center

      Great place

    28. buy here pay here Stockton dealer review by Alicia Bravo

      Alicia Bravo rated S & S Auto Sales

      Friendly staff, good prices, nice variety of cars

    29. buy here pay here Stockton dealer review by Sierra Brena

      Sierra Brena rated Best Deal Auto Sales

      This is the second car I bought from the dealership they have great service and true honesty and great prices can't be beat

    30. buy here pay here Stockton dealer review by Trista Seay

      Trista Seay rated Best Deal Auto Sales

      Had awesome experience buying from this car lot! Bought a 1999 Honda Civic bought it here with 140,00 miles and took it to 200,00 miles still my daily driver thanks for all the help and the honest service will be a lifelong customer.

    31. buy here pay here Stockton dealer review by Kia Duras

      Kia Duras rated BabaCars

      Isiah helped us get the car we wanted, he was friendly, helpful, and he got us done quickly.

    32. buy here pay here Stockton dealer review by Ralph Gage

      Ralph Gage rated BabaCars

      A good experience!

    BHPH Stockton CA dealer

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