Super low rates (o.a.c), low down payments and low monthly payments (o.a.c).
We offer low mileage late model cars and trucks with low pricing, why buy from the big dealers when you can get low pricing, low mileage late model cars and trucks at Cactus Jack’s Surprise. With super low financing (o.a.c.) with low down payments and low monthly payments (o.a.c.).
No matter what your credit situation, our specialists can help, tailor a finance package to fit your needs. Our specialists experience with a wide variety of Banks, Credit Union’s and Military Financial Partner’s helps us provide financing for all credit levels. We are sure we have a vehicle and financing to fit your needs and your budget.
We have 100’s of used cars at our dealerships in Surprise and El Mirage to choose from.
These cars offer a great value at a Super Low Price. These vehicles are the perfect way to get a great value car or truck with a no haggle price to fit your needs.
Inspected Vehicles Free 15 Day 500 Mile Limited Warranty We do all the Title work for you and get your license plates (No standing in long lines and waiting) We do emissions up front so no risk to you All title’s are searched to ensure there is no lien’s (No risk of paying more than you think) Free 45 day Temporary license plate while we take care of your title work
We invite you to browse our used car lot in Surprise to find the perfect car for your needs and budget.
One More Reason Cactus Jack’s Surprise Is the place to Go!!
*Tax, License and dealer fees will apply. (o.a.c.) on approved credit.
Credit Challenged? Past Bankruptcy? Foreclosure? No Problem!
Cactus Jack’s Surprise Can Help! Buy Here Pay Here Auto Financing is the easiest and most popular way to buy used cars and Re-build your Credit at Cactus Jack’s Surprise Serving Surprise, El Mirage, Waddell Arizona as well as Wickenburg, Whittman, and nearby Peoria, Glendale and even Avondale Arizona. With as little as $499* down payment and low monthly or semi-monthly payments, we can get you approved!!!
All You Need:
Last Two paycheck stub’s 8 personal references Piece of Mail with current address Arizona State I.D. or Driver License
Cactus Jacks Auto Surprise serving Surprise Arizona with a wide selection of Buy Here Pay Here inventory. Cactus Jacks Auto Surprise is skilled and experienced in facilitating Buy Here Pay Here auto loans for individuals in Surprise that have no or poor credit. Cactus Jacks Auto Surprise can get you financed fast and behind the wheel of your dream car all in the same day. We will put together the best financial plan that fits into your life style and circumstances. Come on down today and check out our HUGE selection of Buy Here Pay Here inventory serving Surprise and the surrounding Area's Like Wickenberg, El Mirage, Wittmann, and Waddell Arizona.
Buy Here Pay Here Used Cars in Surprise Here at Cactus Jacks Auto Surprise our Buy Here Pay Here (BHPH) programs are top notch. Serving the Surprise area and surroundings with getting you into a car regardless of your credit. No matter if you're a new car buyer, or have had some issues in the past our Buy Here Pay Here programs are custom tailored for you. We will be able to get you into the car of your needs, come on down and check out our current available Buy Here Pay Here inventory today. We make it really easy here at Cactus Jacks Auto Surprise. Once you are approved for your vehicle loan, even though you have no established credit.
We can help you with one of Cactus Jacks Auto Surprise car loan programs, you can start car shopping for your reliable car, truck, sedan, performance vehicle, sports car, SUV, or minivan, available in all makes and models. Regardless of your credit score or lack there of. Here at Cactus Jacks Auto Surprise rest assured that our Buy Here Pay Here program and inventory will have whats needed to get you into the car of your needs. Buy Here Pay Here Dealership Serving Surprise and the Surrounding Area's Like Wickenberg, El Mirage, Wittmann and Waddell Arizona.
Cactus Jack’s Surprise is the smart choice in Used Car Dealerships in Surprise AZ, our car loan application process is quick, free and completely secure with no obligation. Cactus Jack’s Surprise can get you approved for car financing no matter what your credit score is. If you have good credit, bad credit, no credit or even bankruptcies, If you have credit problems, Cactus Jack’s Surprise can get you used car loans even with bad credit and lowest interest rate available.
Cactus Jack’s Surprise is experienced in helping people attain car loans, traditional dealerships just don't have the ability to help we can. If you have gone through a bad credit problem or have had difficulty acquiring an auto loan in the past. Getting approved for your auto financing before you shop for cars puts you in the driver’s seat. With an approved auto loan by Cactus Jack’s Surprise you will know how much you qualify for, your interest rate and save money on your auto loan and used vehicle purchase
You could be approved for your car loan today, by Cactus Jack’s Surprise, even though you have bad credit issues such as: No Credit, Bankruptcy, Repossession, Eviction, Foreclosure, Collections, Late Payments or any other financial-set-back.
Get started on building your credit score and driving a reliable and affordable car today! Cactus Jack’s Surprise will help you with all of your auto finance and vehicle needs.
We understand going to a buy here pay here car lot might not have been your first choice when shopping for an Arizona used car. But we are here to make no credit car loans a simple experience for you. Below are some kind words from some great people with bad credit who we've helped drive away in a great car!
Shannon C. Buckeye, AZ
I know, I know, I know.
I know what you're thinking: a "Buy here, pay here" auto dealership. There can't be anything positive to say about what they are peddling, right? Wrong. You're absolutely, 100% wrong.
Our oldest was in desperate need of his own vehicle and as a direct result looked to Cactus Jack's as, well...really...a last resort in the auto buying market. Not because he had mixed emotions about the notion of it being a buy here, pay here, rather because he was unsure as to whether he would be able to get a conventional loan from another dealership with minimal to no credit.
He did his research, found a couple of vehicles he somewhat liked, and after looking at them at their current location wasn't entirely sold on either of them. That said, he asked if we could go to the location on West Bell Road in Surprise. I willing drove him out there and we browsed the parking lot for a little while before we met up with their sales person. He asked the routine questions about price range, payments, etc. to get a better feel for where our son was financially. After viewing a couple of cars he showed our son he opted to introduce him to a vehicle that, for two hundred dollars more down, would do well for our son's purposes.
No haggling, No nonsense. Just straight talk and our son was sold.
Our son took it for a test drive and absolutely loved it. Thought it would be perfect for his needs and opted to spend the additional money to take the leap. An hour and a half later, he was driving off of the lot in a shiny 2009 Kia Rio.
I would recommend this dealership to anyone who is struggling with financial restraints and finds difficulty in getting a traditional auto loan. They are fast, honest, efficient and friendly.
Dear Cactus Jacks Auto,
I bought a car from your location on bell rd in Surprise about two years ago i was treated very well by all the sales staff and manager. I recently came in need of a second car and decided to return to the location and find a suitable car as a second vehicle. I was arrived and was greeted by bob and he was very helpful and pleasant I will recommend all my friends and family to come shop here and always keep cactus jacks in mind.
Travis Webb Phoenix, Arizona
Just want to say how pleased I am with the 2005 Buick Park Avenue I bought from Cactus Jack's. Everything on the car & under it is in A-1 condition. The only thing we changed on it was the tan cloth roof to a burgundy cloth roof. It is gorgeous! Thank you so much Cactus Jack's for selling me this car. I will tell everyone about your business & how nice all of you are.
Mrs. Marie Bock Phoenix, Arizona
Cactus Jacks is amazing! I had a great car buying experience and got the SUV I wanted! I will be telling my friends! When credit woes have you down GO SEE JACK! Thank you again!
-- Eve Flohrschutz Phoenix, Arizona
Cactus jacks is a wonderful place to go to and get your new ride!!! the staff there is very friendly and straight up with you. i would and will recomend this place to everyone or anyone.
-- Alicia Spradlin
I just want to say THANK YOU to Cactus Jacks!!! I have never had such great, sincere service as I have experienced here. The sales people were great and not phony like you get at other dealers. We received just what we wanted for a very reasonable price and terms. I will definitely be coming back and recommending them to my friends and family.
Thank you again!
James and Vanessa Stockton
TANISHA GILLS PHOENIX, AZ | November 2014
I AM NEW TO THE PHOENIX AREA AND I CAME INTO CACTUS JACK'S IN HOPES OF PURCHASING A NEW CAR. I MUST SAY WHEN I WALKED INTO THE LOCATION I WAS GREETED AT THE DOOR WITH A WARM WELCOME! I MUST SAY THAT WAS VERY REFRESHING AFTER BEING TURNED AWAY FROM OTHERS DUE LACK OF DOWN PAYMENT! I WOULD RECOMMEND CATUS JACK'S (SURPRISE) LOCATION TO ANYONE IN NEED OF A FRIENDLY PURCHASING EXPERIENCE. THE SALES MANAGER AND SALESMAN WERE BOTH EXTREMELY PATIENT WITH ME. THEY EVEN OFFERED ME A RIDE TO COME IN TO GET MY NEW CAR. I PERSONALLY FEEL MY OVERALL EXPERIENCE WAS EXCELLENT!! HONESTLY AFTER THIS CAR IS PAID IN FULL, I WILL COME BACK IN TO PURCHASE AGAIN :-)
Sondra from Surprise, AZ |
This is the second time dealing with this store, and each time we've gotten exceptional service!! They are very pleasant and cordial! Thanks for giving us a deal we couldn't refuse!!
Located in Surprise, Arizona, Cactus Jacks Auto is a pre-owned, late model dealer that provides customers with a complete automotive experience at competitive prices.
It all started back in 1992 with one store open to help those with bad credit scores buy a used car. Two decades later, Cactus Jack's Auto is stronger than ever with nine buy here pay here Phoenix locations. We are here to help people with bad credit or no credit score buy a used car. Our family owned operation understands a vehicle is critical to your success. We also want to help rebuild your credit and our innovative system allows our customers to do just that. Our team possesses a strong belief in keeping our customers satisfied and on the road while also building a road to a brighter future. This buy here pay here business grew and continues to expand through repeat customers and client referrals. Our lots are filled with nearly 500 used cars to choose from including newer late model vehicles to meet a customer's demand. With headquarters at our original Camelback location, several central payment locations and online payment processing Cactus Jack's makes the buy here pay here experience better than ever. Our Camelback location includes a complete 16 bay reconditioning service center. Give us a call or come on by to learn more about how we can help you!.
Come by today and test drive the car of your choice.