Top 18 Buy Here Pay Here Dealers in Visalia CA

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

Connect with top 18 buy here pay here Visalia CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Visalia'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 Visalia CA

  • Dann’s Discount Auto Sales, CA

  • Premier Auto Sales, CA


  • Elite Auto Wholesale #2, CA

  • Dollar Bill Auto Sales, CA

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

  • Diamond Motors, CA

  • Fernandos Auto Sales, CA

  • AM MOTORS – Used Car Dealership, CA

  • Visalia Auto Center, CA

  • Visalia Kia, CA

  • Did you know? These BHPH Visalia 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 Visalia 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.

  • Nissan Of Visalia, CA

  • Visalia Buick Gmc, CA

  • Visalia Hyundai, CA

  • Auto Natix, CA

  • Ed Dena’s of Visalia, CA

  • The phrase buy here pay here Visalia 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. Visalia 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.

  • Visalia Toyota, CA

  • Groppetti Automotive, CA

  • 19K Automotive, LLC, CA

  • Why buy here pay here Visalia 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 Visalia 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 Visalia 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 Visalia CA Works

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

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

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

    While buy here pay here Visalia 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 Visalia 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.

    Visalia CA buy here pay here Reviews

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

    1. buy here pay here Visalia dealer review by Sharlett Villarreal

      Sharlett Villarreal rated Dann’s Discount Auto Sales

      I really enjoyed my visit with Danns Auto Sales over the weekend. My husband and I felt like family. Steven and Jonathan were very professional and courteous. Two of the nicest guys I have ever met. That you for the great experience. When I need my next vehicle I am definitely coming back.

    2. buy here pay here Visalia dealer review by Captain Stanley J Howard IRS Enrolled Agent

      Captain Stanley J Howard IRS Enrolled Agent rated Dann’s Discount Auto Sales

      Great Experience buying a car from this dealer! My salesman was Thomas Perez and he took good care of me! Thank you all for a wonderful job! I'd recommend this dealer to EVERYONE!! Captain Stan The Taxman

    3. buy here pay here Visalia dealer review by Pashin Perfect

      Pashin Perfect rated Premier Auto Sales

      This dealership is the best I have ever dealt with. Jaymzi Silva was the girl to close our deal and made sure we got financed. It took a little wheeling and dealing on her end to speak with the owner of the place (John), but the job got done. We are more than satisfied with our new buy (2008 Chevy Avalanche). We will definately be referring all of our friends and family. This place offers great customer service and gets to know and understand their customers to make the experience that much more personal. Thank you John and thank you Jaymzi; you's are the best at what you do.

    4. buy here pay here Visalia dealer review by Diana Stevens

      Diana Stevens rated Premier Auto Sales

      I’m so excited to write this review. This was my first time at a used car lot. After a lot of researching, I decided Premier Auto was the place. When I first walked in, I was greeted by a salesman. I let him know exactly what I was able to afford and what I wanted my monthly payment to be. Immediately thereafter, the owner, John Flowers took over. He did not waste my time. He gave me straight forward options and what my payment would be. I was pleasantly surprised by how genuine and honest John was. I was fearful of the whole process as I don’t know much about cars and negotiating. However, John was truly just so kind and helpful. I am just blown away by the entire experience I had at this place. I cried all the way home in my 2011 Honda Accord coupe. Premier Auto, you have won my heart!

    5. buy here pay here Visalia dealer review by Brian Gonzalez

      Brian Gonzalez rated COSS AUTO SALES

      I stopped by to check out a few cars for sale and received great customer service. They gave me a really good deal on my car and not to mention they even detailed it for me before I drove off in my new car. I am very grateful to have found this place near my house and even more so the great deal they gave me. I really liked the hospitality and service at Coss Auto Sales. Thank you guys for helping me with my new ride, I will let my friend and family know about you guys!!!

    6. buy here pay here Visalia dealer review by Saul Coss y leon

      Saul Coss y leon rated COSS AUTO SALES

      Best deals

    7. buy here pay here Visalia dealer review by Penguinita Lane

      Penguinita Lane rated Elite Auto Wholesale #2

      Thomas Perez @ Elite Auto was able to give us such a positive and seamless experience. He was pleasant and efficient and gave us something exciting to look forward to. He was able to get us the right price and the perfect car. Home delivery made it so easy too!

    8. buy here pay here Visalia dealer review by Rebecca Dias

      Rebecca Dias rated Elite Auto Wholesale #2

      Elite Auto Sales has the nicest sales people around. Just purchased a 2016 crew cab diesel and it was the easiest transaction of buying a car I’ve ever had. I would recommend Rogelio and Anthony at Elite Auto Sales to everyone!

    9. buy here pay here Visalia dealer review by Diamonique Tovar

      Diamonique Tovar rated Dollar Bill Auto Sales

      If you’re looking for affordable car payments, want to put little to no money down, and enjoy a good laugh while looking for a car. You must come down to Dollar Bill and visit Clayton! With the help of Chuck, Clayton was able to help me purchase my very first car! Mind you my credit isn’t the best BUT nonetheless they were able to make it happen and made the process for me fast and easy! I appreciate your services! Thank you for giving me my independence back.

    10. buy here pay here Visalia dealer review by cali luv

      cali luv rated Dollar Bill Auto Sales

      I recommend this place. If you need a car they will help you get the car you need. Very friendly staff. Thank you Clayton for helping me get my ride.???

    11. buy here pay here Visalia dealer review by Kat Saesee

      Kat Saesee rated Diamond Motors

      After dealing with so much auto dealers with minimal satisfaction in customer service and not so much great deal on getting approve, I can finally say I did not regret it one bit with Diamond Motors. Met the best sales person that went above and beyond for his customer satisfaction. His name is Jesse and all I have to say is he goes above and beyond, the best he can, to make sure his customer are happy and of course the team there were all so helpful. I highly recommend this auto dealer because they really do try their best to make sure it all works out. Thank you Jesse and Diamond Motors for everything.

    12. buy here pay here Visalia dealer review by Jalisa Guzman

      Jalisa Guzman rated Diamond Motors

      My experience at Diamond Motors was amazing. They were able to get my dream car that I had asked for, they made me a part of their family. You grow a great friendship with the people here. They worked with me throughout the whole process, and they are very patient. Thank you very much to Jesse for having really good customer service. I really applicate all the laughs, kindness, and work you've given me throughout the process.

    13. buy here pay here Visalia dealer review by fernando moran

      fernando moran rated Fernandos Auto Sales

      I love this place!!

    14. buy here pay here Visalia dealer review by Manuel Velazquez

      Manuel Velazquez rated Fernandos Auto Sales

      Bought a car from him today and it was such a great experience! Very Honest, knowledgeable, and was very willing to offer us a great deal with our budget. I would highly recommend this dealership to anyone looking for a great car and an even better deal!

    15. buy here pay here Visalia dealer review by Crystal Lee

      Crystal Lee rated AM MOTORS – Used Car Dealership

      Real nice salesmen and they work hard at making sure you can drive away with a car you can afford. If your on a low budget or. Not so good credit and just need a car fast , I would recommend to anyone to come and try them out first .

    16. buy here pay here Visalia dealer review by GWD Films

      GWD Films rated AM MOTORS – Used Car Dealership

      I gotta say. I was renting cars for months due to the recent job I had. Plus I had no other choice to get around in this city where transportation is limited. T-cat is affordable but runs at rare times. Went in, signed, and like magic I was approved. These Dealership will work with you as along You work with them. I have a car that soon to be owned but If it wasn't them I still be renting cars which is expensive along the way. Good credit to bad credit they will make it happen. Deposit speak the son and father they will work. I'm very grateful . thanks A&M Motors

    17. buy here pay here Visalia dealer review by WADE TAHA

      WADE TAHA rated Visalia Auto Center

      I purchased a Car today with the help of one of the best salesman I've met during my time looking for a vehicle ...his professionalism and way of doing business at its best one of the best car dealers I've met and encourage those lil of into purchasing a car to come on down to Visalia Auto Center and find a car that you'd like to have and that you would enjoy....thank you Alex for getting me into the vehicle I wanted

    18. buy here pay here Visalia dealer review by Shelly Barron

      Shelly Barron rated Visalia Auto Center

      As always, Alex was extremely helpful and courteous. At this point, after having got 3 vehicles from them, I would consider them ahead of any dealership every time. 100% happy and satisfied with every aspect of their service, from start to finish

    19. buy here pay here Visalia dealer review by Lloyd Clubb

      Lloyd Clubb rated Visalia Kia

      Friendly and helpful, no pressure to buy will give you all the options available to help you decide the perfect vehicle for your budget and needs

    20. buy here pay here Visalia dealer review by Luis Zaragoza

      Luis Zaragoza rated Visalia Kia

      Million thanks to Mike Martinez for the great experience we had in purchasing our 2020 Kia Forte GT. We felt really welcome and treated like family and helping us understand everything we needed to know about the car. He even went out and washed the car for us and man did that deep sea blue stand out here n the sun. 100% satisfied in my purchased. Thanks again to mike and Visalia Kia for the great experience.

    21. buy here pay here Visalia dealer review by jacob guillen

      jacob guillen rated Nissan Of Visalia

      The person who handled my repair was Stephan and he was very nice and very helpful and attentive with me. The best customer service I’ve experienced at a dealership! If I ever come back for another repair I will absolutely return, because of his customer service.

    22. buy here pay here Visalia dealer review by Donnie E.

      Donnie E. rated Nissan Of Visalia

      They're the best! I've bought a total of 3 vehicles from them now and not one complaint. You just do not want to deal with Alex in the repair department. He a real jerk.

    23. buy here pay here Visalia dealer review by Brittany Lipson

      Brittany Lipson rated Visalia Buick Gmc

      This was the best experience I've had. Scheduling my appointment was easy, I was able to get next day. The front desk representative was professional, nice, and friendly. She was very accurate with the wait time quote she gave me, they even finished a little earlier than promised. While I was waiting a sales representative let me browse the cars on the lot, no pressure and had friendly conversation. This is why I will continue to drive a GMC and get serviced at this dealer.

    24. buy here pay here Visalia dealer review by Cindy Ross

      Cindy Ross rated Visalia Buick Gmc

      I had a great experience here, buying a brand new pickup. Fernando Gonzalez was my salesperson, and he made a stressful purchase easy. He made me feel comfortable and did not apply too much pressure (which I have definitely experienced before with others). I needed to sleep on my decision and that was perfectly fine. I ended up making a decision the next day with his help. He showed me everything I needed to know and answered all my questions. The finance person was personable and easy to work with as well. I recommended this dealership and recommend asking for Fernando.

    25. buy here pay here Visalia dealer review by Claudia Gonzalez

      Claudia Gonzalez rated Visalia Hyundai

      Guillermo is one of the best mechanics I've ever come across. He is very professional and efficient while still keeping the customer and their needs in mind. Guillermo, I appreciate you and hope you are always there when I need to maintain my vehicle. Thank you kindly for making sure I left with a smile and going above what is required to take care of my vehicle and me.

    26. buy here pay here Visalia dealer review by Jessica Rodriguez

      Jessica Rodriguez rated Visalia Hyundai

      Carlos Bermudez is a terrific customer service tech. He is always friendly and prompt with calling me back. He is so personable and really establishes a positive rapport with customers. The service on my Hyundai is always very satisfactory.

    27. buy here pay here Visalia dealer review by G Pimental

      G Pimental rated Auto Natix

      I'd like to thank the staff of Auto Natix for another great experience. I bought a BMW from Sam last year and was completely happy with my purchase. Needing another car for the family, I went back to Sam at Auto Natix because he was always straight with me and has a great personality. I don't have the best credit so I knew where to go for a great deal, reliable car and non-judgmental staff that make you feel at home. I purchased another BMW, newer than the last at a better deal than the last. I've read some of the other negative reviews but think, you have to be prepared for maintenance issues when you buy used cars because you never know how previous owners treat their cars and can't predict at what mile something may go wrong. I know I'll personally never buy new again because it's just a bad investment when you like cars and swap them out every year or two because you end up upside down too much. Buying used allows me to be in a 'new' car ever couple of years and enjoy it. I live in my car on the road a lot so it's important for me to enjoy my car and be comfortable. I'll continue to return to these guys first for future purchases, because they look for that nice, reliable car that has a few years on it with mid level miles and low pricing, perfect for me. Thank you Sam!

    28. buy here pay here Visalia dealer review by Jesse Castro

      Jesse Castro rated Auto Natix

      Best dealership ever got me a car the same day. They are extremely flexible in every way. Very great customer service and welcome you as family. Alex and Jay are the guys to go to for sure.

    29. buy here pay here Visalia dealer review by Stanley Ochoa

      Stanley Ochoa rated Ed Dena’s of Visalia

      Thank you Ed Dena's Auto Center for my new (to me) 2017 Journey with less than 2000 miles on it and still brand new & with a factory 3 year warranty. I wanted to thank Abel & all of the wonderful & helpful staff that works together to get you the best price & best deals on each & every vehicle they have there. Me & my family really appreciate you all! 100% + 5 Stars ????? Way To GO! Thank You! ???

    30. buy here pay here Visalia dealer review by Linda Garcia

      Linda Garcia rated Ed Dena’s of Visalia

      Very satisfied. They are fast and friendly. Told them what I wanted and what price range I am looking for. Within hours they found the vehicle that I love. Now I'm driving a reliable car. By the way, this is my 2nd time that I purchased a reliable vehicle though them. I highly recommend for any one to check out this dealership. They really work for you. And are quick and friendly towards finding that right vehicle for you. The name of my sales person was Misael. Intact, he sold me my two vehicles. I'm a very satisfied customer.

    31. buy here pay here Visalia dealer review by H G

      H G rated Visalia Toyota

      Hands down THE BEST CAR BUYING EXPERIENCE ever!!!! I can't thank Alishan and Mario enough for helping me find the perfect car! :) All follow up service with Toyota has also been a good, easy experience.

    32. buy here pay here Visalia dealer review by Luis Jaramillo

      Luis Jaramillo rated Visalia Toyota

      Great service and great prices during their 4th of July summer event. Johnny and Lawrence hooked my wife and I each with our new Camry and Avalon hybrids. Very excited about the deals. The employees were all extra helpful and helped me get what we went for.

    33. buy here pay here Visalia dealer review by Miguel Arceo

      Miguel Arceo rated Groppetti Automotive

      Our first vehicle for our family. Thank you God for blessing us with what you have given us at our expense ? lol . We are truly blessed.

    34. buy here pay here Visalia dealer review by Adrian Vasquez

      Adrian Vasquez rated 19K Automotive, LLC

      Daniel and Brenda are awesome people. Very helpful and honest I couldn't find a place to finance me and they went above and beyond to make sure me and my family had a good running car with AC I love them for all their help great place to find a car!!

    35. buy here pay here Visalia dealer review by Danny Yee

      Danny Yee rated 19K Automotive, LLC

      Brenda & Daniel are great! They'll literally be over backwards to help you out in getting a used car. Highly recommend them.

    BHPH Visalia CA dealer

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