Top 7 Buy Here Pay Here Dealers in Temecula CA

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

Connect with top 7 buy here pay here Temecula CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Temecula'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 Temecula CA

  • Paradise Chevrolet Cadillac, CA

  • DCH Honda of Temecula, CA

  • Temecula Hyundai, CA

  • Family Auto Sales and Service, CA

  • Temecula Valley Buick GMC, CA

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

  • DCH Acura of Temecula, CA

  • Auto Pro Used Cars, CA

  • Why buy here pay here Temecula 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 Temecula 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 Temecula 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 Temecula CA Works

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

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

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

    While buy here pay here Temecula 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 Temecula 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.

    Temecula CA buy here pay here Reviews

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

    1. buy here pay here Temecula dealer review by Renee Dean

      Renee Dean rated Paradise Chevrolet Cadillac

      Ely Gutierrez was wonderful to work with. We actually did not even plan on purchasing a vehicle. However, he made the process so easy without being the stereotypical used car salesman. We will definitely be recommending Paradise Autos to others!

    2. buy here pay here Temecula dealer review by Jennifer Kelley

      Jennifer Kelley rated Paradise Chevrolet Cadillac

      Recently had to upgrade our family vehicle. Fell in love with the Traverse! Fits everyone comfortably, drives smooth, looks beautiful and has many safety features. Worked with Ryan Kelley and he answered all my questions about the vehicle. He was very friendly, helpful and ensured we had the car, packages and color I wanted. Would recommend the traverse and Ryan Kelley to anyone looking to get a new car!!!

    3. buy here pay here Temecula dealer review by melissa torres

      melissa torres rated DCH Honda of Temecula

      Best customer service! Drove all the way from Oceanside and receive great service from both Marco and Aziz. They were super friendly, never pushy! Worked with me and I was able to drive off with my new 2020 Honda Civic! Definitely recommend it if you are looking for great service and prices!

    4. buy here pay here Temecula dealer review by Ryan Morales

      Ryan Morales rated DCH Honda of Temecula

      Brought my Ram 1500 in for some recalls. The service advisor was genuinely friendly. The shuttle gentleman was really nice and familiar with my area. My Ram 1500 was finished earlier than expected, cashier took care of me without any issues. The atmosphere is always good when I come in to this dealership.

    5. buy here pay here Temecula dealer review by Richard McDonald

      Richard McDonald rated Temecula Hyundai

      This is a very belated review, but Carlos at the service center always ensures to take care of my wife's vehicle. My wife had issues with her Sonata burning oil, and he went above and beyond to battle with the manufacturer to ensure our vehicle's repairs were covered at no cost. He's also ensured that because she commutes a long distance that she's taken care of vehicle-wise if the car stays in the shop for an extended time. We continue to come here because we feel in good hands with Carlos and that her vehicle will get what's necessary and not over pressured with unnecessary repairs. Carlos has always done a fantastic job throughout the entire time we've owned the vehicle from when we purchased it at this dealership.

    6. buy here pay here Temecula dealer review by pat salver

      pat salver rated Temecula Hyundai

      Our new Palisade at a price that no other dealer that we talked to would match. The salesman Leo was very nice and knowledgable and Cal the the loan specialist was also very nice. Would highly recommend this place.

    7. buy here pay here Temecula dealer review by Natalia Parks

      Natalia Parks rated Family Auto Sales and Service

      Family owned is the way to go. Everyone is so welcoming, informative and helpful! They take great care of their customers, even after leaving the lot. They are always prioritizing the customers and their satisfaction. Great experience getting my first new (used) car! These guys rock!

    8. buy here pay here Temecula dealer review by Hushell Van Bibber

      Hushell Van Bibber rated Family Auto Sales and Service

      I just bought a ford fusion 2008 from here. Had a couple issues with the car its self but family auto took care of me. They fixed my car and gave me an amazing deal on a beautiful car. Thank you family auto

    9. buy here pay here Temecula dealer review by Michael Diaz

      Michael Diaz rated Temecula Valley Buick GMC

      All I have to say is wow. These people are very transparent and honest. Came from riverside after Theresa Chandler handled the dealing of my new 2020 Sierra Denali. She gave me the best deal out of many dealers. They even threw in a speaker kit for free. Another sales guy gifted me some cup holder lights. They gave 4500 more for my trade in that I expected. No haggling needed these people are the ones to deal with. They deserve the business. They will take care of you. I am very critical, never had a good dealing like this. Very pleased.

    10. buy here pay here Temecula dealer review by Cary White

      Cary White rated Temecula Valley Buick GMC

      My wife and I were treated very well here. I truly felt like we got a square deal from a straight shooter. I have bought 10 new cars in my life, so I am very experienced and skeptical. Eric was super great to deal with and I truly felt like I had made a new friend, when all was said and done. If you are in the market for what these folks sell, you can't go wrong by going to see them.

    11. buy here pay here Temecula dealer review by Amber Sclafani

      Amber Sclafani rated DCH Acura of Temecula

      This is the second time in a year that we purchased a car from this dealership. Our salesperson was Ryan Bishop. He was so helpful and efficient the first time that we reached out to him again and our second experience was even better. We got a great deal both times and never spent more than an hour at the dealership completing the deal and signing all the paperwork. We will definitely continue to use this dealership as well as our Ryan in the future. Thank You DCH of Temecula.

    12. buy here pay here Temecula dealer review by Keith Corwin

      Keith Corwin rated DCH Acura of Temecula

      Always an awesome experience. Jozef P. is very accommodating.

    13. buy here pay here Temecula dealer review by Saman Zarei

      Saman Zarei rated Auto Pro Used Cars

      I recommend everyone to go there if they are looking for a good car and good deal. Such a wonderful dealership. His owner is so kind and fair. I bought my first car from there and today again I got my second car from there. For both times That I got my from this dealership, I am so satisfied.

    14. buy here pay here Temecula dealer review by darren anderson

      darren anderson rated Auto Pro Used Cars

      I have bought several cars in my life. Ahmad's pricing is fair, usually in the middle to low blue book value. Very easy to deal with no pushy sales. Just a nice quick transaction. Ahmad will tell you everything he knows about the vehicle all you need to do is ask. Yes, I would buy from him again.

    BHPH Temecula CA dealer

    Hope you like our list of buy here pay here Temecula CA dealers. Do share it with your friends. Let us know your feedback, query or suggestion by contacting us from contact us page.