Cactus Jack's Auto Surprise
Cactus Jack's Auto Surprise is a buy here pay here dealer in Surprise, Arizona, offering used vehicle financing for those with poor credit.
Confirmed buy here pay hereBHPH Finder score 8/10
Open now · closes 7:00 PM13334 W Bell Rd, Surprise, AZ 85374Published · Details verified · Updated
Google rating
4.6 / 5
Reviews
365
Hours today
9:00 AM – 7:00 PM
Vehicles in stock
399
About Cactus Jack's Auto Surprise
Cactus Jack's Auto Surprise is a buy here pay here dealer at 13334 W Bell Rd in Surprise, Arizona. The dealership specializes in providing in-house financing options for individuals with poor or bad credit histories. Customers can browse a selection of used cars and trucks tailored to meet various transportation needs.
This location operates Monday through Friday from 9:00 AM to 7:00 PM and Saturday from 9:00 AM to 6:00 PM. The sales team assists buyers through the financing process to help secure vehicle purchases. Prospective buyers can contact the dealership directly at 623-975-4746 or visit their website for additional information regarding their current inventory and financing programs.
Does Cactus Jack's Auto Surprise offer in-house financing?
Yes. Its website (cactusjacksauto.com/locations/surprise) advertises in house financing, bad credit ok, low down, last checked Sep 8, 2026.
How BHPH Finder scores Cactus Jack's Auto Surprise: 8 out of 10
- Google reputation (4.6 rating, 365 reviews)
- 5.5 / 6
- Has a website we could read
- 1 / 1
- Advertises in-house / buy here pay here financing
- 1 / 1
- Prints a down payment figure
- 0.5 / 0.5
- Says it reports payments to credit bureaus
- 0 / 0.5
- Open on Sundays
- 0 / 0.25
- Verified by the owner
- 0 / 0.75
The score weighs Google reputation by review volume (up to 6 points) and adds what the dealer's own website verifiably advertises. It is BHPH Finder's editorial rating, not a customer rating. How it works.
What financing does Cactus Jack's Auto Surprise offer?
- Down payments from $500
- In-house financing
- Bad or no credit welcome
- Warranty offered
- Se habla español
- Low or zero down options
What does Cactus Jack's Auto Surprise offer?
- In-house financing
- Used car sales
- Used truck sales
- Bad credit financing
Why customers choose Cactus Jack's Auto Surprise
Professional sales staff
Efficient financing process
- Located at 13334 W Bell Rd in Surprise, Arizona
- Provides buy here pay here financing solutions
- Maintains business hours six days a week
- Offers a variety of used cars and trucks
When is Cactus Jack's Auto Surprise open?
| Monday | 9:00 AM – 7:00 PM |
| Tuesday | 9:00 AM – 7:00 PM |
| Wednesday | 9:00 AM – 7:00 PM |
| Thursday | 9:00 AM – 7:00 PM |
| Friday | 9:00 AM – 7:00 PM |
| Saturday | 9:00 AM – 6:00 PM |
| Sunday | Closed |
Where is Cactus Jack's Auto Surprise located?
13334 W Bell Rd, Surprise, AZ 85374What do customers say about Cactus Jack's Auto Surprise?
i got my first car today and more then happy with the results. i recommend pedro bob for a salesman. got me in and out in no time. very nice and professional company. don’t wait come get a car today! you won’t be disappointed.
Pedro and Bob assisted me throughout the whole process. It was for sure one of the easiest processes I’ve gone through trying to get a car. They work with you as much as you can and also give you the real. Which is definitely appreciated when it comes to making a big purchase. I would definitely recommend!
Pedro made everything so easy and worked with me to get the perfect car. I went in knowing I wanted a truck and he helped me land on one better than what I originally had in mind. Overall amazing service and communication
I love the service at cactus Jack, Rafael was a very helpful and professional salesman. I will definitely do business with Cactus jacks and Raphael again I definitely recommend you buy from cactus jack. I will also give some recognition to Bob for helping me On getting a new car with them.
Thanks to Pedro for making the process quick and easy! Update***Pedro was an excellent salesman, and the process was smooth, but one week after I acquired the vehicle it was glitching and giving me problems with the transmission. When I called back they directed me to a repair shop that was requiring a $399 "deductible" only one week after purchase. I ultimately let them report the vehicle. DriveTime gave me a better vehicle and similar payment.
Questions about Cactus Jack's Auto Surprise
Does Cactus Jack's Auto Surprise offer in-house financing?
Cactus Jack's Auto Surprise provides buy here pay here financing for customers with poor or bad credit.
What are the business hours for Cactus Jack's Auto Surprise?
Cactus Jack's Auto Surprise is open Monday through Friday from 9:00 AM to 7:00 PM and Saturday from 9:00 AM to 6:00 PM.
How can I contact Cactus Jack's Auto Surprise?
Cactus Jack's Auto Surprise can be reached by phone at +1 623-975-4746.
