Cactus Jacks offers buy here pay here auto loans across the Phoenix valley including Mesa, Apache Junction and Surprise, Arizona. We do not use outside commercial lenders. We offer in-house financing to provide bad credit car loans and no credit auto loans. At Cactus Jacks we do not run your credit score, we evaluate each used car loan based on your current situation. Just apply online to get approved today. You can choose from six Phoenix area buy here pay here locations and get on the road to your next car! Jacks is the premier Buy Here Pay Here / Special Finance Used Car Dealership in Arizona!  Phoenix or Mesa Residents Can Get Credit to Buy a Used Car. If you live in the Phoenix or Mesa area and have poor credit or have recently had your credit score lowered which is preventing you from purchasing a used car, you can buy a used car here at Cactus Jacks. We understand that consumers are experiencing challenging time financially and Cactus Jacks has the solution. At Cactus Jacks we inspect all our cars and offer affordable, quality used cars. Our prices may seem "cheap" to some but that's because we keep used car prices affordable. If you are looking for a used car in the Phoenix or Mesa area, our friendly sales staff can serve you better than anyone in the State. At Cactus Jacks, we believe in looking toward you future and not your past. We dont let your credit history stand in the way of purchasing a quality car, truck, van, sedan or SUV. We have helped Phoenix and  Mesa residents reestablish their credit while driving a high quality used car. We have accomplished that service by looking toward their future and their desire to have a fresh start. In fact if you live anywhere in Arizona we can help you buy a car.