Buy Here, Pay Here Program


Facing credit challenges such as bad credit, no credit, bankruptcy, repossessions, or past loan defaults? Fear not! Cactus Jack’s is here to revolutionize your car-buying experience with our tailored Buy Here Pay Here financing options available in Phoenix & Mesa, AZ.

Regardless of your credit history, we are committed to securing you a reliable vehicle at a price that suits your budget. Our Buy Here Pay Here loans boast short-term terms, offering you the flexibility of affordable down payments, starting as low as $500 down! Need guidance on calculating interest rates for a car loan? We’ve got you covered!

Discover the Exclusive Benefits of the CACTUS JACK’S AUTO BUY HERE, PAY HERE PROGRAM IN PHOENIX:

  • 1. Friendly and knowledgeable staff spread across 8 convenient locations.
  • 2. Quick approval, even if you’ve faced rejection at other dealerships.
  • 3. Short-term loans averaging 30 months for a hassle-free repayment experience.
  • 4. Affordable down payments, beginning from as low as $500.
  • 5. Access to a diverse range of affordable and reliable vehicles tailored to meet your specific needs.
  • 6. Credit Building Opportunity: We report your monthly payments to major credit bureaus.
  • 7. Convenient online payment options for a seamless and hassle-free experience.

We understand that traditional financial institutions may have turned you away, but at Cactus Jack’s Auto, our Buy Here, Pay Here program in Phoenix is designed to be the quickest and most flexible solution for your auto financing needs.

Ready to take the next step? Apply online for a car loan through our secure finance application form. In just 2 minutes, you could be on your way to approval! For any queries, our dedicated staff is here to assist, or you can explore our Cactus Jack’s FAQ for additional information.

Join countless satisfied customers who’ve transformed their credit journey with us. Take control of your future on the road with Cactus Jack’s Auto Buy Here, Pay Here Program today!

Our Locations

Visit One of Our 8 Dealerships

Visit one of our eight used car dealerships in the Phoenix and Tucson areas today!

Cactus Jack's Auto 33.5101018, -112.1115231.