Changes in the law for how buy here, pay here dealers work in California take effect at the stroke of midnight (presumably PST) on Jan. 1. So, Happy New Year to Californians who are part of a brand-new era in subprime credit auto sales.
I've written an article that could be considered a primer on buy here, pay here dealers. It's going to help you sort out what to expect when going to one of these dealers.
The most surprising thing to me is there are Buy Here Pay Here dealers who don't put prices on their vehicles. They're more interested in selling you monthly payments. Same thing happened to me the one time I bought a used car from a position of bad credit. In that case, the dealer told me I couldn't buy a four-wheel drive vehicle because they were for customers with better credit!
Of course I ended up buying that car based on monthly payments. After writing about used cars for almost five years now, I know that's a mistake!
So, if you're in the market for a used car and need a Buy Here Pay Here dealer, make sure you read up first on what to expect.