Top 12 Buy Here Pay Here Dealers in Thousand Oaks CA

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

Connect with top 12 buy here pay here Thousand Oaks CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Thousand Oaks'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 Thousand Oaks CA

  • Shaver Auto Exchange, CA

  • Rusnak BMW, CA

  • Rusnak/Westlake Porsche, CA

  • Lexus of Thousand Oaks Sales Department, CA

  • Silver Star Chevrolet, CA

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

  • Thousand Oaks Toyota, CA

  • Westlake Hyundai, CA

  • Silver Star Cadillac, CA

  • DCH Ford of Thousand Oaks, CA

  • Acura of Thousand Oaks, CA

  • Did you know? These BHPH Thousand Oaks 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 Thousand Oaks 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.

  • Fiat of Thousand Oaks, CA

  • Shaver Chrysler Dodge Jeep RAM & FIAT, CA

  • Why buy here pay here Thousand Oaks 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 Thousand Oaks 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 Thousand Oaks 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 Thousand Oaks CA Works

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

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

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

    While buy here pay here Thousand Oaks 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 Thousand Oaks 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.

    Thousand Oaks CA buy here pay here Reviews

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

    1. buy here pay here Thousand Oaks dealer review by Savanah Christiana

      Savanah Christiana rated Shaver Auto Exchange

      Butch, Wes, and Susie were awesome. Gave me the best price and we’re super quick. I’ve never had such great service. Love them. Highly recommend.

    2. buy here pay here Thousand Oaks dealer review by Orangie805

      Orangie805 rated Shaver Auto Exchange

      It is a very rare commodity these days to find a person, (salesperson), who is not only honest and fair but who exemplifies EVERYTHING "customer service". I've found that person in Al Jones at Shaver Auto Exchange. The very idea of buying a car and this time around having to go at it alone not only gave me anxiety but heartburn! I just knew for sure I had to be prepared to fight for what I thought was a good deal and approach the car buying experience like a trained fighter! Boy was I mistaken!!! It was such a welcome relief to know that Al stood for something greater than himself and his commission! He could have tried to win me over with charm and attention but instead he won me over with being genuine and with decency. I'm not only grateful for the experience I had with Al I am also humbled by his kindness. I know that I have choices when it comes to the car buying experience but when I decide to purchase again I will always choose Al Jones! Thank you Shaver Auto Exchange for choosing Al to be an AWESOME AMBASSADOR for your company! Until next time I wish you all great health and success.

    3. buy here pay here Thousand Oaks dealer review by Corbin Williams

      Corbin Williams rated Rusnak BMW

      In October of 2018 my lease was coming to an end. We came to visit Rusnak BMW and was introduced to Roger Carroll. We have since leased three vehicles from him with plans to refer much more business. He is a man of integrity and will not waste anybodies time during the process of buying/leasing a new car. Our family has consistently always bought/leased from Bob Smith BMW and we have moved all our future plans over to Roger at Rusnak. We really appreciate his time and dedication to the art of great customer service and sales. One thing that’s important to me as a repeat customer is having a repeat sales team that knows what we like and not dealing with a new sales person every 2-3 years. If your going to Rusnak BMW looking for a great deal, ask to speak with Roger Carroll. Thanks for all your time and effort Roger, we’ll be back for that M6 very soon!

    4. buy here pay here Thousand Oaks dealer review by Cassie Moungey

      Cassie Moungey rated Rusnak BMW

      Excellent experience buying a certified used x5. George in sales and Leo the manager were an absolute pleasure to do business with. They were up front and willing to answer every little question we had. Smooth and easy transaction. I love my new car! Highly recommend this dealership.

    5. buy here pay here Thousand Oaks dealer review by Jetta Zellner

      Jetta Zellner rated Rusnak/Westlake Porsche

      Professional and amazing experience. My first Porsche and couldn’t be happier..... not just with my amazing car, but the overall service and treatment I received. My 78 year old father was there with me when I was buying. He was so excited he bought one for himself. Not kidding. They treated him like a superstar and that was priceless. Thank Mark Wasserman and team. Absolutely a memorable day.

    6. buy here pay here Thousand Oaks dealer review by Marc Lickfett

      Marc Lickfett rated Rusnak/Westlake Porsche

      Brilliant staff and service! I could not be happier. So many car companies are accommodating and responsive when it comes to sales, but unresponsive and horrible to deal with come service time. Westlake Porsche is very different. The service is efficient, professional and a real pleasure. The facilities are great, waiting times short and they literally go beyond the call of duty. I dealt with Steve Ellis and he clearly loves and knows Porsche cars and what Porsche drivers expect and need. He aced it, well done!

    7. buy here pay here Thousand Oaks dealer review by Danita Peoples

      Danita Peoples rated Lexus of Thousand Oaks Sales Department

      If you are in the market for a Lexus, Thousand Oaks Lexus is one of the honest dealers in the market. Specifically Charles Shapiro, who is now the Finance Manager. If you want specifics without the salesman talk, the real bottom line, he will give it to you and able you to make a informed decision. His follow through was impressive and he responds when you ask a question. It was a pleasure working with him and if you are in the market and want your questions answered honestly and fairly, he is the one. Thank you Thousand Oaks Lexus and Mr. Shapiro for all your assistance.

    8. buy here pay here Thousand Oaks dealer review by William Nethercott

      William Nethercott rated Lexus of Thousand Oaks Sales Department

      My go-to dealer when looking for a new car. This is now my 4th Lexus purchase/lease in the past 10+ years. ES 350, GS 350, ES 350 and now their ES 300h. Beautiful cars! Never had any problems. Great showroom and lounge. I highly recommend this dealer. Alex was our salesperson this time around. This was the dealerships last sale of the decade. They delivered me a beautiful, gassed-up and impeccably clean car.

    9. buy here pay here Thousand Oaks dealer review by Lauren White

      Lauren White rated Silver Star Chevrolet

      We bought a ZR2 here and the buying experience was zero pressure (a relief considering the "usual" dealer methods). They worked with us and gave us all the time and space needed to make the best decision possible. Also, great to note the team environment here vs "one person is on commission so every man for himself" attitude. Special shout out to Ruben for working with us! ?

    10. buy here pay here Thousand Oaks dealer review by Chris Aguirre

      Chris Aguirre rated Silver Star Chevrolet

      Becky service center was absolutely fantastic made my experience of getting my traverse fix hassle free even though I drove 119 miles it was worth the drive there customer service is on key if you need a car or need your car fixed come here art the sales man is awesome and there finance guy Ruben was so helpful and honest didn't try to sale me things I didn't need.Even though it's a far drive when I purchase my next new car I definitely coming back here. Thank u silver star Cadillac...

    11. buy here pay here Thousand Oaks dealer review by Deborah Sandoval

      Deborah Sandoval rated Thousand Oaks Toyota

      Kareem our sales person was fantastic. From the start I stated we were just looking. Kareem kindly Honored our wishes and showed us what was available hassle free. This is exactly what I expect in a sales person. Not someone who’s out to push a sale on you. The gentleman (sorry forgot name) who handled all the purchase agreement was great. He explained everything clearly and also wasn’t pushing on extras. Just plain and simple options available. GREAT going team Toyota of Thousand Oaks.

    12. buy here pay here Thousand Oaks dealer review by Katie-Jane clarkson

      Katie-Jane clarkson rated Thousand Oaks Toyota

      My experience here was very easy and smooth. I have to say Mike really made all the difference. He was so nice, accommodating and knowledgeable and really made my experience amazing with buying a new truck. Dealership can be a lot and very pushy but he gave me facts and honesty and was the main reason why I made my purchase. Mike is the best!

    13. buy here pay here Thousand Oaks dealer review by Kristen Liggins

      Kristen Liggins rated Westlake Hyundai

      Great people in the sales and service departments. Very comfortable and cozy waiting area with popcorn, fruit and refreshments. Top notch!

    14. buy here pay here Thousand Oaks dealer review by Marilyn Reed Cox

      Marilyn Reed Cox rated Westlake Hyundai

      They were polite and friendly. The wait time was not as long as expected. Waiting was comfortable because it was a large room filled with seating options, free wifi, coffee, water, donuts, and fruit. There was a comfortable seating area for watching a big screen TV.

    15. buy here pay here Thousand Oaks dealer review by Re Ho

      Re Ho rated Silver Star Cadillac

      I was referred to this dealership through the Costco auto program. Wasn't sure about driving all the way out to Thousand Oaks as I live in the San Fernando Valley but decided to do so anyway. My sales representative at the dealership by the name of Krystal Cannon, was a real pleasure to work with. True advantage of using the Costco auto program is the fact the the amount has been free negotiated so to speak. Bottom line, I got the vehicle but I wanted with even more features than I had expected. I don't work there and it is my first experience with this dealership however I would recommend them if you were in that area.

    16. buy here pay here Thousand Oaks dealer review by Priscilla AG

      Priscilla AG rated Silver Star Cadillac

      So far so good. Very polite..clean rest roons

    17. buy here pay here Thousand Oaks dealer review by Jeff Smith

      Jeff Smith rated DCH Ford of Thousand Oaks

      Adam, help us purchase a truck! It was a very easy and pain free experience. He was up front and fair. Easiest purchase we’ve ever made. The paperwork only took about 20 min.

    18. buy here pay here Thousand Oaks dealer review by Trevor Tinney

      Trevor Tinney rated DCH Ford of Thousand Oaks

      Everyone at this dealership is awesome! Alex gave a great introduction to all the vehicles and really opened my eyes to Ford engineering. Jerry Navarrette was incredibly knowledgeable and sold me on my new Ford Ranger. Because he worked in the service department prior to sales, he was able to answer every question I threw from him. He literally knew every aspect of the car which is pretty rare to find nowadays. Then during the financing stage, both Jerry and Mark Viggiavao (finance manager) were very patient and answered any questions I had for them, even if they had already answered the question beforehand. I highly recommend this dealership to anyone in the market for a new car. These guys are professional, helpful, and transparent!

    19. buy here pay here Thousand Oaks dealer review by Joseph Humphreys

      Joseph Humphreys rated Acura of Thousand Oaks

      Just plain CLASSY Helpful in every aspect! They are Honest! That's my word!

    20. buy here pay here Thousand Oaks dealer review by Ant D

      Ant D rated Acura of Thousand Oaks

      I trust them with my car. They've proactively honored their warranty for work performed and they haven't tried to sell me repairs that I don't need. I get all my Acura maintenance done here.

    21. buy here pay here Thousand Oaks dealer review by K Y

      K Y rated Fiat of Thousand Oaks

      Jaclyn Pieper is my all time favorite sales manager! i m more than half a century old n have bought countless cars, new and used, this is about the only time I felt the salesperson was straight-forward, no BS, and everything was up and up. Then i looked at her resume, she is a fellow Army vet! That's why she is a straight shooter! Yes, Mam! Thank you, Mam! Sincerely yours, US Army retired.

    22. buy here pay here Thousand Oaks dealer review by Liran Machlouf

      Liran Machlouf rated Fiat of Thousand Oaks

      Part of shaver. Great service.

    23. buy here pay here Thousand Oaks dealer review by gus soto

      gus soto rated Shaver Chrysler Dodge Jeep RAM & FIAT

      Buying a new car can be exciting and at the same time very stressful, until now. I recently purchased a car from Shaver Dodge, the best experience in buying car yet. My salesperson was Eddie, honest, friendly, with no surprises. Finding a salesperson like that is rare. The whole experience was great, down to finance Dustin was also friendly and did not pressure me at all. Anytime I've bought a car, I leave feeling frustrated and cheated. Eddie and Dustin made my experience pleasant. Thanks guys.

    24. buy here pay here Thousand Oaks dealer review by Keith Freeman

      Keith Freeman rated Shaver Chrysler Dodge Jeep RAM & FIAT

      Cars were a huge part of my Fathers and my relationship. From his Cobra, Porsche, Rally Car and the 2012 Jeep Wrangler we built together. He purchased the vehicle for what would be the last project car we did together. We put countless hours and allot of money into the base model Jeep to make it “Awesome”....every receipt every booklet from everything that was done to the Jeep and parts that were purchased was put into a binder along with memories of us together. The only thing I had missing was the Window Sticker! I called Jeep HQ and my local dealers in Idaho to no avail. I decided to call the dealer we bought it from...Shaver. I was turned down over the phone with in seconds by a salesman. I gave up and just let the idea die. Today after time had passed Butch called me. He understood how important it was. He called me...Gave me the window sticker right away. I kept it cool on the phone but was moved to tears. Thank you Butch. Thank you. This story....this doesn’t happen anymore. Butch is one in a million.

    BHPH Thousand Oaks CA dealer

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