What is Buy Here Pay Here?

Buy Here Pay Here (BHPH) financing means that you arrange the car loan and make payments on it at the dealership.

How does Buy Here Pay Here work?

The auto dealer sells you the used car and lends you the money to buy it. In other words, the BHPH dealership is the finance company.

What is the difference between a Buy Here Pay Here dealer and a traditional car dealer?

Traditional dealerships, like BHPH dealers, also offer financing to their customers, but there are slight differences. A traditional car dealer talks about financing options with the customer near the end of the purchasing process. BHPH dealers typically focus on qualifying finance questions first, which then helps determine which cars you can afford. The main advantage of a BHPH dealer is that they specialize in working with credit-challenged borrowers.

Who should go to a Buy Here Pay Here dealership?

Traditional third-party lenders like banks, credit unions or the OEM’s finance company are typically the first choice for financing options. Your credit may be better than you think. If all the traditional financing options decline your application, then a BHPH dealer may be a better fit.

How can I get an auto loan with poor credit?

If you have very poor credit or no credit at all, you might find a BHPH dealer is right for you. BHPH car dealerships can lend you the money you need to buy a car. Buy Here Pay Here is another path to buying a used car with credit for those borrowers who find it difficult to get approved through traditional auto lending channels.

Buy Here Pay Here Car Dealers - Bad Credit, No Credit Car Financing from Autotrader

General: Autotrader.com, Inc. ("ATC") on behalf of itself and its Affiliate (as defined below), and the dealership identified above ("Advertiser") desire to enter into a relationship under which ATC may create and/or display Advertiser's listings and other advertisements ("Advertisements") on the website(s) identified on the Sales Order(s) (defined below) and, if applicable, on other websites, and/or distribute such Advertisements through various media platforms (e.g., television, radio, print, wireless, etc.) (collectively, "Other Media Platforms") owned or controlled by ATC and/or third parties from time to time (collectively, the "Sites"). The Sites may include, without limitation, www.buyherepayhere.autotrader.com. This Advertiser Relationship Agreement ("Agreement") sets out the terms and conditions of this relationship and applies to all Advertisements created by or on behalf of Advertiser through the Sites and/or displayed or to be displayed on the Sites and to any other services that ATC provides to Advertiser or arranges for Advertiser to receive. Other terms that apply to particular Advertisements are specified in Advertising Sales Orders - Subscription ("Subscription Sales Orders") and Advertising Sales Orders - Transaction ("Transaction Sales Orders") (each a "Sales Order" and collectively, the "Sales Orders") signed by ATC and Advertiser, each of which will be governed by this Agreement. For purposes of this Agreement, "Affiliate" means any entity that directly or indirectly, controls, is controlled by, or is under common control with, ATC, where "control" means the power to direct or cause the direction of the management and policies of such other entity, whether through the ownership of voting securities, by contract or otherwise.
Fees/Payment/Default: Advertiser will pay ATC any fees that may be specified on any Sales Order that may be issued pursuant to this Agreement, as such fees may be modified by ATC from time to time in its sole discretion. If Advertisements are to be paid for by credit card, ATC may charge the credit card on any date after such Advertisements are first included on any of the Sites (the "Start Date") and, if recurring Advertisements run for more than one month, once a month thereafter. If Advertiser is to be invoiced for payment, Advertiser will be invoiced on or after the Start Date and, if recurring Advertisements run for more than one month, on a monthly basis thereafter. If Advertiser wishes to obtain trade credit, ATC may require Advertiser to submit a credit application to ATC, providing such information as ATC requests. Advertiser agrees that ATC may obtain a credit report on Advertiser at any time in connection with existing or prospective extensions of credit. If ATC extends credit to Advertiser, Advertiser agrees to adhere to ATC's credit/service policies and procedures, as they may be amended from time to time, and to provide ATC with updated credit information on request. Payment is due within thirty (30) days from the date of each invoice. Amounts paid after such date may bear interest at the rate of one and a half percent (l½%) per month (or the highest rate permitted by law, if lower). If Advertiser fails to make payment when due, Advertiser will be responsible for all reasonable expenses (including attorneys' fees) incurred by ATC in collecting such amounts. Advertiser will pay all applicable federal, state and local taxes, excluding only taxes on ATC's income.
Agencies: If Advertiser uses an advertising agency in connection with any Advertisements placed under this Agreement, Advertiser and such agency are jointly and severally liable hereunder. The entity signing this Agreement and/or any Sales Order warrants that it has authority to bind Advertiser, and agrees to indemnify, defend and hold ATC and its Affiliates harmless from any and all claims, losses, damages or costs (including reasonable attorneys' fees) (collectively, "losses") arising out of any breach of the foregoing warranty. Advertiser will be solely responsible for payment of any commission due to any agency.
Term and Renewal: This Agreement will commence on execution by ATC and Advertiser and will continue until cancelled. Each Transaction Sales Order will become effective as of the date it is accepted by ATC and will remain in effect for the term specified in such Sales Order, or, if no term is specified, until all Advertisements covered by the Sales Order have been run and paid for and all services to be provided under the Sales Order have been provided and paid for. Advertiser may cancel any Transaction Sales Order that has a specified term on 30 days prior written notice to ATC. Unless a Subscription Sales Order explicitly specifies a particular limited term, each Subscription Sales Order will commence on the date it is accepted by ATC and will remain in effect for one year from the Start Date ("Initial Term"), then will automatically renew for successive one-year periods (each a "Renewal Term"). Advertiser may cancel this Agreement (and/or any or all outstanding Sales Orders) at any time by providing 30 days prior written notice to ATC. ATC may cancel this Agreement (and/ or any or all outstanding Sales Orders) at any time on notice to Advertiser. Notices under this Section 4 will be effective upon receipt. Upon cancellation, all unpaid amounts outstanding from the Advertiser, including amounts for Advertisements to be displayed and services to be rendered through the effective date of cancellation, will become immediately due and payable.
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Call Tracking: ATC may arrange for a third party vendor selected by ATC to provide Advertiser with one or more toll-free telephone number(s) (the "Number(s)") for use in connection with Advertisements placed on the Sites (and, at ATC's discretion, on co-branded ATC sites and/or Other Media Platforms). Advertiser may use the Number(s) solely to answer customer inquiries regarding the vehicle listings included in the Advertisements. Advertiser will not use the Number(s) for any other purpose, including, but not limited to, the initiation of telemarketing calls. ATC will use commercially reasonable efforts to provide Advertiser, within thirty (30) days after the end of each calendar month during the term of the applicable Subscription Sales Order, a report containing the date, time, duration, and phone number of each caller to the Number(s) during such month. ATC owns all rights, title and interest in this information.
Transaction Sales Orders: In the event that a Transaction Sales Order includes a listings package, Advertiser may list up to the specified number of vehicles in the selected listings package during each month of the term of the Transaction Sales Order for the minimum monthly package fee. If in any month Advertiser lists more than the specified number of vehicles for that listings package, Advertiser will be billed for each such additional listing based on the "per listing" price for that package. If Advertiser lists fewer than the specified number of vehicles, Advertiser will still be required to pay the minimum monthly package fee, and there will be no credits for listings not used. If Advertiser has registered but not selected any listings package, it will be required to pay for each listing actually placed at the then-prevailing base rate. A vehicle is deemed to be listed as of the date the listing first appears on any of the Sites, including any Other Media Platform.
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Miscellaneous: Neither party will be responsible for delays or failures of performance resulting from acts beyond the reasonable control of such party. The warranties, indemnification obligations, limitations of liability and ownership rights set forth above will survive the expiration or termination of this Agreement. Should any provision of this Agreement be deemed unenforceable, such provision will be restated, in accordance with applicable law, to match most closely the intentions of the parties, and the remainder of this Agreement will remain in full force and effect. This Agreement (including the ATC Visitor Agreement) and any outstanding Sales Orders constitute the entire agreement between the parties pertaining to the subject matter hereof and supersede all prior agreements. In the event of any otherwise irreconcilable inconsistency between the terms of this Agreement and the terms of any Sales Orders, the terms of this Agreement will control. This Agreement will be construed under the laws of the State of Georgia, without reference to its conflicts of law principles. The parties hereby consent to the exclusive jurisdiction and venue of the state and federal courts in Fulton County, Georgia in all disputes arising out of or relating to this Agreement. No modification to the terms of this Agreement will be binding on ATC unless accepted in writing by an officer of ATC. Nothing in this Agreement shall be construed to constitute or appoint either party as the agent or representative of the other party for any purpose whatsoever, or to grant to either party any right or authority to assume or create any obligation or responsibility, express or implied, for or on behalf of or in the name of the other, or to bind the other in anyway or manner whatsoever.
By clicking "Sign Up", Advertiser agrees that this Agreement will govern Its advertising relationship with ATC and will apply to all advertising Sales orders entered into between Advertiser and ATC.

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