Top 11 Buy Here Pay Here Dealers in Torrance CA

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

Connect with top 11 buy here pay here Torrance CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Torrance'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 Torrance CA

  • AutoNation Acura South Bay, CA

  • South Bay BMW, CA

  • South Bay Hyundai, CA

  • AutoNation Ford Torrance, CA

  • Nissan of Torrance, CA

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

  • CarMax, CA

  • South Bay Toyota, CA

  • Scott Robinson Chrysler Dodge Jeep Ram, CA

  • DCH Toyota of Torrance, CA

  • Hertz Car Sales Torrance, CA

  • Did you know? These BHPH Torrance 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 Torrance 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.

    Buy Here Pay Here vehicles are almost always sold with full coverage on the odometer. The dealer will add the actual retail cost of the car to the principal amount owed on the loan once it is sold. In many cases, the entire amount of the financed vehicle's retail price is covered by the lender, which means that the buyer will never have to worry about making any payments that fall outside of the monthly budget outlined for him or her. This includes making payments on fees and accrued interest. These types of financing transactions also allow buyers who need to drive a specific kind of car or model to get one that fits their budget.

  • West Coast Classics, LLC, CA

  • Why buy here pay here Torrance 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 Torrance 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 Torrance 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 Torrance CA Works

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

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

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

    While buy here pay here Torrance 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 Torrance 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.

    Torrance CA buy here pay here Reviews

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

    1. buy here pay here Torrance dealer review by Tom Graziano

      Tom Graziano rated AutoNation Acura South Bay

      My experience on this latest service call was again a 10+. Kelly Gilbertson is a extremely informed and personable service advisor. He goes through pain staking lengths to review the current status of the vehicle and to go over each recommended item so that you fully understand each item which allows the customer to make informed decisions. He always follows through and each promise he makes, whether that entails a phone call to provide status and/or to discuss any potential items that may be discovered during the service inspection. Kelly is certainly a very valuable asset to your organization and should be recognized for going beyond the standard call of duty.

    2. buy here pay here Torrance dealer review by integ. roger

      integ. roger rated AutoNation Acura South Bay

      The staff of AutoNation Acura Torrance has always been helpful. I can count on them most of the time when I need genuine oem parts (I can't always find the part due to my vehicle being a 30+ year old car). Dwayne and his team do a great job.

    3. buy here pay here Torrance dealer review by Michael Sun

      Michael Sun rated South Bay BMW

      Outstanding service department experience! Darryl Kwock was a great service advisor, courteous and kept me up to date on the status of my M5. He also arranged a courtesy car for me to drive while my M5 was under their care. Service Technician, Luis M. performed the work flawlessly as well. Needless to say I’ll be bringing other cars to this dynamic duo of a team in the future!

    4. buy here pay here Torrance dealer review by Nabeel Karimi

      Nabeel Karimi rated South Bay BMW

      To all that have any questions about the best dealerships around, look no further. At South Bay BMW, I was thoroughly looked after by both the Sales and Porter team, but also the Finance team. I had been searching for the right M4 for months and Jeff(Mo) helped me find exactly what I was looking for. After stepping in their refreshed lobby you have a great feeling. I could tell instantly when seeing the showroom floor that the owner had a great deal of insight/investment in this dealership(he keeps his collectors cars/custom bikes on the floor). Big thanks to Jeff and Mario Ricarte. I will definitely be back again in the future

    5. buy here pay here Torrance dealer review by Tre Butler

      Tre Butler rated South Bay Hyundai

      Christian and Del in sales, Jin in finance; excellent team! After a terrible experience at another dealership (in Claremont) which almost forced me to buy a Honda instead of the car that I wanted. I decided to give SB Hyundai a shot and have no regrets. They weren't pushy or forceful, shot straight, and presented every option I wanted in detail. Great experience. I got a new Hyundai, y'all!!

    6. buy here pay here Torrance dealer review by LibLass

      LibLass rated South Bay Hyundai

      Great experience. Showed up and was contacted right away. Cheerful personnel. Maintenance was done very quickly. I called the next day with a question. I came back in and the issue (my misunderstanding) was handled immediately and explained. Love my Tucson and a good part of purchasing it was knowing I had access to a great service department.

    7. buy here pay here Torrance dealer review by BRANNEN7

      BRANNEN7 rated AutoNation Ford Torrance

      Great service! Brought my 2017 Raptor here for its annual service at 730am on a weekday. It only had 13k miles, and my truck was done by 1030. The price was very reasonable. I’m sold on their service dept.

    8. buy here pay here Torrance dealer review by Michael Ibarra

      Michael Ibarra rated AutoNation Ford Torrance

      I originally went to South Bay Ford to look for a truck to purchase but as I was looking not one sales person in the hour I was there came over to ask if I needed any help and it was probably due to the fact that I was in my work clothing . So I came over to Autonation Ford in Torrance and Roy Leshaw their Internet Sales Manager came out to help me within 10min of being here. He was very friendly and I ended up buying a brand new truck from him. I highly recommend working with Roy if you're in the market for a Ford. Thanks a lot Roy..

    9. buy here pay here Torrance dealer review by He Ba

      He Ba rated Nissan of Torrance

      I want to thank Jacob, who is an amazing young person with a bright future, for introducing me to Nissan of Torrance. He is the face of Nissan of Torrance. Most importantly, I want to thank him for his professionalism. In my long years of experience in dealing with car dealerships, believe me, I have never had the pleasure to do business with a dealership like Nissan of Torrance. When dealing with them everything was so nice and easy that in this time of social distancing, Nissan of Torrance has re-invented the industry of sales with quick service and honesty.

    10. buy here pay here Torrance dealer review by Tom Rowe

      Tom Rowe rated Nissan of Torrance

      Jake was amazing. Couldn’t have been friendlier, more kind or more helpful. This young man has a very bright future in anything he chooses to do. All of the team at Torrance Nissan were helpful and friendly and made the car buying experience painless for myself and my wife Coley. We will always go to Nissan of Torrance and back to Jake when we are ready for our next Nissan. Thanks again Jake! - Tom and Coley Rowe

    11. buy here pay here Torrance dealer review by Wanna Be Radke

      Wanna Be Radke rated CarMax

      Super friendly NO PRESSURE salesmen. We enjoyed our easy, simple, relaxing experience buying our car. It was our first experience and we loved it. Our friend has been a customers of them for 15 years and she highly recommend them. We were not disappointed. The new vehicle had some notice and they quickly made me an appointment, kept me informed and the noise is gone. I am super impressed. I highly recommend this place.

    12. buy here pay here Torrance dealer review by Tanya White

      Tanya White rated CarMax

      My Experience with CarMax was the best they really took there time and showed me loved and help me out I was truly blessed thank you once again.

    13. buy here pay here Torrance dealer review by butterfly 2231

      butterfly 2231 rated South Bay Toyota

      I just want to say Raul Dp is the man to see!! I went in there to just ask some questions about getting a new car and Raul Dp definitely went above  and beyond my expectations. I've never felt so comfortable speaking with a complete stranger. He was up front and open. Also gave me a lot of options to choose from and didn't pressure me into buying a car I didn't like. This experience was one of the most pleasant car buying experiences ever. South Bay Toyota thank you for having integrity and awesome people like Raul Dp and Cerri Urias and Mike Pike to help me with my car buying needs. I love my brand new 2020 Toyota Corolla I am 100% completely satisfied I am so happy I chose this dealership !!!

    14. buy here pay here Torrance dealer review by Frenchy K Angeles

      Frenchy K Angeles rated South Bay Toyota

      Jorge Q. Was Amazing! He Went Above And Beyond To Help Me Get Into A New Vehicle. He Understood And Listened To My Situation And I'm Extremely Satisfied With His Patience And Customer Service. He Is Very Knowledgeable And Informative. I Couldn't Have Asked For A Better Salesman! Side Note, I Love My New Car! Especially Since It's Manual! Thank You So Much Jorge!

    15. buy here pay here Torrance dealer review by plunger99 .

      plunger99 . rated Scott Robinson Chrysler Dodge Jeep Ram

      HELPFUL TIP TO GRAND CHEROKEE SHOPPERS I'm giving it 4 stars so hopefully more people will immediately see this, This Dealership deserves 1 star. I leased a Grand Cherokee Altitude from Scott Robinson a few years ago, I loved the car but did not have the best sales experience. Since then I've heard they improved so I gave them a second chance when I began my shopping for another Grand Cherokee and what a mistake that was. Their sales managers are an absolute joke or think the customer is an absolute joke. I've contacted them numerous times over the course of the past month attempting to get information and a deal for their Limited X and they say they'll call you back and never follow up. It's like they don't take your business seriously or care about it, maybe it's a sales technique to make the customer chase after them. I'm not sure what it is but it's disappointing. Not only that but when they finally get back to you they have the audacity to give you ridiculously high lease numbers that go way above the value of the Grand Cherokees they are selling. I ended up going to Jeep in Downtown LA where they didn't treat me like a burden, I will be recommending all my coworkers and avid car shopping friends to go downtown instead of Scott Robinson. In my shopping experience over the years I've noticed a trend that most of the overpriced lease deals have all come from South Bay dealerships and Santa Monica. Try heading to the valley or downtown for the best deals.

    16. buy here pay here Torrance dealer review by Angela Brown

      Angela Brown rated Scott Robinson Chrysler Dodge Jeep Ram

      This was my second time purchasing/leasing with this dealership. I felt like I received a good deal, especially on my new lease. My sales associate, Ashley, was helpful, kind and knowledgeable. He pointed out so many of the well thought out details that make Jeep what it is. He was super helpful in getting me on the road by assisting in pairing my phone with the Jeep. I’m really excited to get my Jeep dirty!

    17. buy here pay here Torrance dealer review by Marcos Rivera

      Marcos Rivera rated DCH Toyota of Torrance

      The service at this location was excellent. Shout out to Oswar who was a great sales associate, helping me out without being too pushy. The regular things apply when it comes to dealerships, and we all know those complaints (destination fees?), so I won't go into detail with that. What I will say is that the team helped me out as much as they could and worked hard to get me into the car I loved. The staff was friendly and the service department was professional as well. I'd definitely recommend anyone I know looking for a new vehicle to check them out.

    18. buy here pay here Torrance dealer review by Giuseppe De Luca

      Giuseppe De Luca rated DCH Toyota of Torrance

      James Taylor ask for this gentleman when you go there. He is very very sweet. Knows his stuff and will not allow you anything you can’t handle. Takes his time to work for you and get the car you want your way. I didn’t think it was possible but Mr. James Taylor proved me wrong. Lol like so down to earth has empathy, wow I am my blown for this experience while getting my car. I was stressed, I prayed and thank God I got James. And to the rest of the crew, like I always said Team Work makes the Dream work. These guys I can express more the amazing team DCH is! Thank you guys and gals. You Rock! Giuseppe

    19. buy here pay here Torrance dealer review by Nicole Jefferies

      Nicole Jefferies rated Hertz Car Sales Torrance

      Hertz saved my sanity today. I think Sondra Lane got out of bed this morning and looked in the mirror and told herself... Today I am going to make Nicole Happy. Because that is exactly what she and every other person in that sales office did. I stormed in there breathing fire and vomiting obscenities about another dealer down the street who did mean and evil things when my friend and veteran sister in combat were there. Sondra calmly handed us bottles water to cool the flames and assured us that she would achieve our goals stress free. I wish I had taken names of all the other people who were in the office who couldn't help but laugh at me..... Because they were all awesome too and I promised them all 5 stars also! We were there for what may have been eternity and they all so kindly offered to get us delivery and entertained my ideas of sending my car through their car wash. In the end, my dear friend got a gently used Nissan Rouge for next to pennies and I cant wait to go give those guys down at that other place a bad review.

    20. buy here pay here Torrance dealer review by Sam Allen

      Sam Allen rated Hertz Car Sales Torrance

      Sondra was a pleasure to deal with and made buying my new car quick and easy. No pressure and she answered all my questions quickly.

    21. buy here pay here Torrance dealer review by Roch Clapp

      Roch Clapp rated West Coast Classics, LLC

      I purchased my 1970 Mustang a few months ago and wanted to convey my appreciation to West Coast Classics. I spent about 6 hours at the dealership test driving and viewing two different cars. Ultimately I bought the Mustang which was not the car I thought I would buy. The car has been fantastic and I couldn't be happier. I appreciate WCS because they did what they said they would do which was to make a few requested minor repairs to the car and Simon communicated well with me after the purchase and subsequent delivery. You made my first muscle car buying experience a pleasure.

    22. buy here pay here Torrance dealer review by Hollis Adams

      Hollis Adams rated West Coast Classics, LLC

      Love these guys. I took my pride and joy family vehicle in for them to sell. I asked for more money than what it was worth. Changed my mind and wanted it back. They charged me a smaller than expected fee. They treated me with respect all the way. I highly recommend them. Hope I can do another deal with them so they can benefit next time.

    BHPH Torrance CA dealer

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