San Bernardino Buy Here Pay Here

2023 Volvo XC40 Recharge

2023

Single-Speed Fixed Gear

AWD

$37,995

2023 Volvo XC40 Recharge

$37,995

2023

Single-Speed Fixed Gear

AWD

2015 Jeep Wrangler

$29,995

2015

5 Speed Automatic

2021 Mercedes-Benz CLA

$28,995

2021

7 Speed Automatic

2016 RAM 3500

$27,995

2016

6 Speed Automatic

RWD

2007 HUMMER H2

$24,995

2007

Automatic

What to Know

Hawthorne Auto Square offers buy here pay here in San Bernardino.
Buyers with bad or no credit can enjoy fast approvals with our in-house financing.
Our lot includes a large, rotating inventory of reliable used cars, SUVs, and trucks.
Many buyers enjoy same-day approval and leave with their newly purchased vehicle.

Need a Car in San Bernardino? Get Approved Today — No Credit, No Problem

Hawthorne Auto Square specializes in helping San Bernardino drivers with no credit or bad credit qualify for the vehicles they need. Our team focuses on real-world budgets, flexible down payments, and a convenient approval process.

At our San Bernardino buy here pay here car dealership, we base vehicle financing approvals on real-life factors and work with alternative forms of income, such as gig income, SSI, disability, and government assistance.

Start with a quick pre-approval to estimate your price range, annual percentage rate, and projected monthly payment. Then, visit in person to review vehicles that fit your price range and priorities. We’ll match you with options that meet your budget and get you driving the same day once the documents and down payment are ready.

Why San Bernardino Drivers Choose Our Buy Here Pay Here Dealership

As a top San Bernardino no-credit car dealership, local buyers and drivers trust Hawthorne Auto Square to deliver easy financing and a wide selection of vehicles.

We finance in-house — no banks, no hassles

Hawthorne Auto Square is an in-house financing car dealer in San Bernardino. We review your application and income, calculate a realistic down payment, and create a sustainable payment. By leaving out the big banks, we speed up financing decisions and streamline your purchase.

Massive inventory of reliable used cars

We stock a wide range of used cars for sale in San Bernardino, including compact commuters, midsize sedans, hybrids, SUVs, and work-ready trucks and vans. We’ll match you with the right model for your lifestyle, based on your preferences for fuel efficiency, cargo space, and other vehicle specs.

Same-day approval, same-day drive-off

With our easy process, many buyers receive same-day financing approval. Once you receive your approval, visit the dealership to find your ideal vehicle and drive off the lot.

Bilingual staff & local support

The Hawthorne Auto Square team offers bilingual service to ensure welcoming, clear communication with members of San Bernardino’s community.

How Our Buy Here Pay Here Program Works

At Hawthorne Auto Square, our buy here pay here program makes it easy to shop for your next vehicle.

Step 1 – Apply online or in person

Complete a short application online to start planning a budget, or visit Hawthorne Auto Square to fill out an application with the help of a sales advisor. We’ll review your details and discuss your budget range, down payment options, and the type of vehicle you’re looking for.

Step 2 – Choose your car

Browse and test drive vehicles across different makes, models, and price points. We’ll help you compare vehicle details and guide you through making a selection that best suits your needs.

Step 3 – Make a low down payment

Down payments vary with each vehicle purchase. We’ll discuss down payment options and how they impact your payment plan to help you get the most from your investment.

Step 4 – Drive off the lot same day

Arrive with your documents and financing approval, and leave the same day with a vehicle, payment plan, and ongoing support from our team.

What Kind of Used Cars Can I Get?

As a San Bernardino used car dealer, we aim to accommodate the needs of every driver. Tell us about your commute, family size, parking constraints, and price range, and we’ll show you vehicle listings that fit your budget and needs.

Budget-friendly options

For lower monthly payments, browse our selection of budget-friendly used sedans and other vehicle styles. Many of these models offer impressive fuel efficiency, straightforward maintenance, and reliable performance for daily commutes.

Low-mileage & certified options

If you prefer fewer miles and a newer model, consider our selection of low-mileage and certified pre-owned vehicles. Enjoy confident driving with modern technology, easy maintenance, and other low-mileage benefits.

Family vehicles, commuters, & work trucks

Our selection of roomy minivans and sporty SUVs serves San Bernardino families who need space for car seats, strollers, and weekend gear. For contractors and tradespeople, half-ton pickups and cargo vans offer towing capacity and cargo space without straining your budget.

Can I Get Approved for a Car Loan With Bad Credit in San Bernardino?

Hawthorne Auto Square is a trusted bad credit car dealership in San Bernardino that regularly assists drivers with credit challenges. We consider aspects of your financial situation that credit reports may skip, and we can also guide you toward strengthening your approval with tips on saving for a higher down payment, choosing a loan term, or getting a co-signer.

What To Bring With You When You Visit

Arriving prepared streamlines your purchase and helps you drive home the same day. Bring these documents with you when you’re ready to drive off the lot with your newly-purchased vehicle:

Driver’s license
Social security number
Proof of income
Financial information
References
Proof of residence

How Much Are Payments for Buy Here Pay Here Cars?

Buy here pay here payments depend on vehicle price, down payment, rate, and term length. Our team can help you consider different borrowing scenarios and how they impact your payments to help you pick the right plan.

Flexible monthly payment plans

Many buyers prefer biweekly or semi-monthly plans that line up with paydays. We offer flexible calendars so you can match payments to your cash flow. If you want the lowest payment, we’ll look at cars within a price range that suits your comfort level. If you want to pay off your loan sooner, we’ll discuss shorter terms that reduce total interest paid.

Typical down payments

Down payments vary based on credit profile, income, and vehicle price. A higher down payment can reduce your monthly obligation and may improve your loan terms. If you need time to save, start your application now to set a budgeting goal.

Service Areas Near San Bernardino, CA

We serve the San Bernardino area and nearby communities across the Inland Empire, including these California areas:

Zip codes: 92401, 92404, 92405, 92407, 92410, 92411, 92346, 92324, 92376
Nearby areas: Rialto, Colton, Highland, Redlands, Loma Linda, Fontana, Bloomington, Grand Terrace

Visit Our Buy Here Pay Here Dealership in San Bernardino, CA

At Hawthorne Auto Square, we welcome first-time buyers and returning customers, regardless of their credit score. Apply online or in person today, or contact us now to start planning for your next vehicle.

Frequently Asked Questions

Do buy here pay here lots check your credit?

Buy here pay here dealerships may review your credit, but approvals rely more on your ability to make reasonable payments. Hawthorne Auto Square uses in-house financing, so we consider multiple factors beyond credit history.

Are the cars at buy here pay here dealerships reliable?

Reputable buy here pay here dealerships inspect and service vehicles before sale. At Hawthorne Auto Square, we inspect each car for mechanical condition and safety.

Can I trade in my car at a buy here pay here dealership?

Most buy here pay here dealerships accept trade-ins. At Hawthorne Auto Square, you can trade in your vehicle and apply its value to your buy here pay here purchase, lowering the overall financed amount. Bring your vehicle’s title, registration, and any loan payoff information for a fast, accurate appraisal during your visit.

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