Top 15 Buy Here Pay Here Dealers in Vista CA

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

Connect with top 15 buy here pay here Vista CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Vista'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 Vista CA

  • Vista Auto Sales, CA

  • K & S Auto Sales, CA

  • Rockstar Rides Used Cars, CA

  • Norm Reeves Honda Superstore Vista, CA

  • Enterprise Car Sales, CA

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

  • Provident Auto Sales, CA

  • SD Mission Auto Sales, CA

  • EZ Cars 101 Enc, LLC., CA

  • Karz Plus, CA

  • Del Mar Motor Cars, CA

  • Did you know? These BHPH Vista 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 Vista 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.

  • Encinitas Ford, CA

  • Weseloh Chevrolet, CA

  • Siry Auto Group, CA

  • Quality Auto Outlet, CA

  • Manheim San Diego, CA

  • The phrase buy here pay here Vista 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. Vista 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.

    Why buy here pay here Vista 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 Vista 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 Vista 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 Vista CA Works

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

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

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

    While buy here pay here Vista 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 Vista 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.

    Vista CA buy here pay here Reviews

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

    1. buy here pay here Vista dealer review by Eric Wells

      Eric Wells rated Vista Auto Sales

      Easily the most enjoyable car buying experience I’ve ever had! Ari was so thorough and straightforward. There wasn’t any of the sleazy salesman that we experienced at other used car lots. They were helpful and honest. Everything was up front. They do the credit and payment up front before you do the test drive which was strange at first but then they want to be sure we had the buying power first before trying to sell us on something out of our price range. 10/10 will come back for the next car.

    2. buy here pay here Vista dealer review by yeya,s vlog

      yeya,s vlog rated Vista Auto Sales

      I highly recommend vista auto sale great place to purchase a car Araceli was great!!! Very honest and they go above an beyond to get you a great deal!!!! Definitely come and purchase a car ?

    3. buy here pay here Vista dealer review by Juan Gomez

      Juan Gomez rated K & S Auto Sales

      Shout Out To The Great Group Of People @ K and S! Eric, Chris, Arturo & Andy They Went The Extra Mile To Make Sure We Left Satisfied With Our New 2016 Jeep Wrangler. Prices Cant Be Beat! Best Car Buying Experience We Had! Thanks Guys!

    4. buy here pay here Vista dealer review by Angel Mason Broadus

      Angel Mason Broadus rated K & S Auto Sales

      This is the second car my wife and I have purchased from K&S Auto Sales. Our first experience was so amazing that we knew immediately that when we were ready to purchase another car a year later, that we had to go with K&S and Eric Morales. They didn't disappoint! Eric was so patient and worked really hard to find the perfect vehicle for my picky taste. He went so far as to special order and purchase a car specifically for me that met all of the requirements I wanted. We couldn't have asked for a more dedicated sales person to trust with finding the right car for us. Once Eric found the perfect Mercedes GLC300 for me, Arturo had all of the paperwork ready to go when we go to the lot. The entire process was so seamless. Their customer service goes above and beyond. Every single interaction we've had with every representative at K&S Auto has been exceptionally professional, no-hassle, and incredibly pleasant. Without a doubt they have given us THE BEST car buying experience we've ever had. I will never give any other car dealership our business. Thank you to the entire K&S Auto Sales team for your dedication, incredible customer service, and amazing work ethic. You definitely have made loyal and lifelong customers of us!

    5. buy here pay here Vista dealer review by Ciara Gutierrez

      Ciara Gutierrez rated Rockstar Rides Used Cars

      Dmitri was everything you could ask for in a car salesman. The experience of getting a new car is usually unsettling but he was an extremely honest and genuine guy who never pushed and was more than willing to do all he could to make the experience as easy and enjoyable as possible. I would definitely come back and recommend others. Great and honest person. Thank you for the experience

    6. buy here pay here Vista dealer review by The_Nightlife 155

      The_Nightlife 155 rated Rockstar Rides Used Cars

      Great customer service Great cars Best car buying experience

    7. buy here pay here Vista dealer review by Jacque Salas

      Jacque Salas rated Norm Reeves Honda Superstore Vista

      This was my visit to Norm Reeves Honda. I needed the oil changed in my CR V. I called and Hannah set my appointment up for the time that worked best for me. Hannah answers all of my question and was very kind. I arrived for my appointment and was greeted by Ryan, he was very helpful in looking up my cars service history. My car was ready for pick when he said it would be. Great experience!!!

    8. buy here pay here Vista dealer review by Dana Rowley

      Dana Rowley rated Norm Reeves Honda Superstore Vista

      The service department was quick and efficient. The sales staff was so friendly while I waited for my vehicle to be done. Since I had never been to this store before, they were helpful and explained everything to me that needed to be addressed but also didn’t push things on me that could wait. I would highly recommend this store to anyone needing to get their Honda vehicle serviced.

    9. buy here pay here Vista dealer review by Christopher Ramirez

      Christopher Ramirez rated Enterprise Car Sales

      Jules, our representative was so amazingly helpful, gracious and understanding. I had requested a car from Northern California and she had it sent down in a day. We ended up buying it, but had a change of heart and picked a different vehicle and her and all the staff was amazingly helpful and accommodating to ensure that we were 100% satisfied! Amazing customer service, helpfulness and service. Keep up the good work and I will send everyone I know looking for a vehicle to you. Chris Ramirez

    10. buy here pay here Vista dealer review by Chanelle Wright

      Chanelle Wright rated Enterprise Car Sales

      Best experience ever. Before I even went to the dealership I communicated with Brady via text message for about 2 weeks. He answered all my question. He saved me time so all I had to do when I got there was turn in forms and sign paperwork and before you knew it I was in my new car. They are friendly and very professional. I would recommend them for first time car buyers and seasoned car buyers.

    11. buy here pay here Vista dealer review by AB N

      AB N rated Provident Auto Sales

      HONEST REVIEW! I have been looking for a car for 7 months now. I went everywhere AND I MEAN EVERYWHERE and had no luck, either the dealer wanted way to much of a down payment or they would push me to purchase a vehicle ai did not even want. After 7 months of looking around I ran into Provident Auto and saw my dream car. My credit score is around the 400s so for me to be able to get a vehicle IT WAS IMPOSSIBLE. Well Ryan made it POSSIBLE!!!!! He found me AN AMAZING DEAL with an AMAZING DOWN payment WAY lower than what the other dealers were asking for!! NOT TO MENTION the APR he offered was also the best one I had been offered!! I applied to 9 different places before so I knew what I was looking at. Ryan definitely exceeded my expectations and im extremely grateful and happy to have done business here.

    12. buy here pay here Vista dealer review by Mark Velasquez

      Mark Velasquez rated Provident Auto Sales

      I normally don’t like the dealer but they were an exception, fair and honest, good selection of 4runners, good price for our trade in, comfortable and no pressure.

    13. buy here pay here Vista dealer review by Nicholas Hazleton

      Nicholas Hazleton rated SD Mission Auto Sales

      If you want great cars and service at a fair price. Look no further. Ask for Miguel! We WILL be back again!

    14. buy here pay here Vista dealer review by Fernando Hernandez

      Fernando Hernandez rated SD Mission Auto Sales

      when these guys say they will work with any credit they mean it. my buddy has a 430 credit score came out driving this cool car. thank you SD MISSION AUTO SALES and thank you jorge

    15. buy here pay here Vista dealer review by Deandra Marquez

      Deandra Marquez rated EZ Cars 101 Enc, LLC.

      After several conversations with several dealers, I made my choice and choose EZ Cars 101. I contacted the dealer and received a prompt reply from the owner Robert. He was knowledgable, friendly and a good communicator. I felt confident that if their was a deal to be made this would be the place. I had several questions about the vehicle and he was always on point with a quick reply. I had some challenges with being over 100 plus miles away from his dealer, I asked for more detailed photos and some clarification on quality of the vehicle, Robert was nice enough to text me additional pictures and gave me the additional info I needed. We also discussed my options from financing and other options he was always transparent and gave me what the best option was for me (Very honest). Hard to find a dealer that was very open and honest, I felt extremely confident that Robert would do right by his customers as he has done for me. Robert also has his two sons helping they were great also. Thanks again for all you help, plus we love the car.

    16. buy here pay here Vista dealer review by David Tanouye

      David Tanouye rated EZ Cars 101 Enc, LLC.

      My wife found a car from.them on the internet. They provided the Carfax report for the Chevrolet Cruze we were looking for. The report was clean and the car turned out to be better than we hoped for. It came with upgraded rims, stereo, and leather power seats. I drove the car the 90 miles hone, so I ran the car through the paces. Tested the cruise control, blue tooth and all the gadgets and everything worked great. The family seem honest and only deal with cars with clean Carfax reports.

    17. buy here pay here Vista dealer review by Julez Duarte

      Julez Duarte rated Karz Plus

      I had the best experience every! Adriana was my sales lady and let me say, she was sooo professional, attentive, organized, and detail oriented that purchasing a car from her was the best car purchase I ever experienced!! She took care of all my needs, responded to all my questions so quick , no excuses ever! Adriana went above and beyond to make sure the transaction was smooth with no confusion!! When I say BEST Customer Service I mean it!! No, lies, HONESTY is all I got from Adriana first time I spoke to her. If you every want to buy a car Every , with great professionalism ,honest customer service come to Karz Plus in Escondido and ask for Adriana she will take care of you! Thank you, Adriana!!

    18. buy here pay here Vista dealer review by L. J.

      L. J. rated Karz Plus

      Got a great truck at a great price. Our sales rep Amy, tho new, was very pleasant and eager to help. Ryan the manager worked hard to get me the deal I wanted. Would highly recommend them.

    19. buy here pay here Vista dealer review by bob pirro

      bob pirro rated Del Mar Motor Cars

      Buying a used car is an unsettling experience! Del Mar Motors was an exception! The team Audrey, Rob and Ayal were extraordinarily professional and comforting. Very down to earth, honest and reassuring to my needs! I was not pressured at all and they have already proven that they have my back even after purchasing the car! I would highly recommend trusting this team who goes the extra mile fulfilling their number one priority to see their customers satisfied and happy! They truly all warmed my heart and I formed a bonded friendship.

    20. buy here pay here Vista dealer review by Alejandra Silva de Villanueva

      Alejandra Silva de Villanueva rated Del Mar Motor Cars

      Bought my sons first car here and the staff was super friendly! They let us test drive all the car we wanted to, til we found the right one! We are very happy with his vehicle! Thank You Del Mar Motor Cars!

    21. buy here pay here Vista dealer review by Mike Davidson

      Mike Davidson rated Encinitas Ford

      I've been purchasing and leasing new Fords from Encinitas Ford for 30 years and I'm always happy with the way I'm treated there. They make buying a new car easy...and Duke takes the pain out of getting vehicles serviced. 5 stars all the way around!

    22. buy here pay here Vista dealer review by Richard Whatley

      Richard Whatley rated Encinitas Ford

      Bought my 2018 GT here. I had a good experience, sales staff was friendly and I got a great deal. I've been bringing it back here for regular maintenance and always had a great experience. They've been spot on for the timing of work complete and communicate great. Thumbs up great dealership.

    23. buy here pay here Vista dealer review by Dano Rowley

      Dano Rowley rated Weseloh Chevrolet

      I asked for the air filter to be replaced as I could not find it in my history and couldn't remember when the last time (if any) I had it replaced. After my routine oil change they told me is wasn't necessary. That shows me a level of integrity. Happy to have Weseloh prove to me they are my new favorite service center.

    24. buy here pay here Vista dealer review by ARMANDO MENDEZ

      ARMANDO MENDEZ rated Weseloh Chevrolet

      Excellent place... I feel very confortable when i come to this place... Very nice staff theres always someone to help you...

    25. buy here pay here Vista dealer review by Veronica Espinoza

      Veronica Espinoza rated Siry Auto Group

      Really friendly, did there best to get me in the car I wanted . Manager Mark was amazing to work with as well as Anthony I would recommended Siry to friends. So glad my cousin recommended me to come here.

    26. buy here pay here Vista dealer review by Ron Rivera

      Ron Rivera rated Siry Auto Group

      Sergio and Parris, the dynamic duo of great car sales. The team at Siry Auto Group is on their game, honest dependable, and never pushy!!!! Seriously get there and say hi, let help with your next car, you'll be glad you did!!!!

    27. buy here pay here Vista dealer review by andrew khayat

      andrew khayat rated Quality Auto Outlet

      Purchased my 2006 Prius from Quality Auto! What a great buy, easy hassle free, would recommend anyone looking for a great car for a good price to stop by and talk to Joe !

    28. buy here pay here Vista dealer review by Teddy Bundie

      Teddy Bundie rated Quality Auto Outlet

      Very honest guys. Bmw certified technician on site. These guys really know their bmws and make sure that the cars are without leaks and running great before selling.

    29. buy here pay here Vista dealer review by Greg Herr

      Greg Herr rated Manheim San Diego

      Private Auto Auction. Not open to the public for buying or selling. If you are a dealership or a wholesale company, that's a different story. They have all kinds of cars here that they sell. .. just depends on what others are trying to sell. They have commercial accounts to dealership accounts. If you're a dealership looking for inventory to buy or sell, this is the place for you. The staff here will help you out with all your needs.

    30. buy here pay here Vista dealer review by monica lopez

      monica lopez rated Manheim San Diego

      A peaceful part of town. Great place.

    BHPH Vista CA dealer

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