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Buy Here Pay Here (BHPH) dealers offer in-house financing that doesn't require approval from a third- party lender like the bank, credit union, or OEM finance department. Since fewer parties are involved in the auto financing process, the car loan is more likely to be approved, and processing the paperwork can happen faster.
How does Buy Here Pay Here work?
Buy Here Pay Here dealers are a one-stop shop for buying a used car. All aspects of the car buying process, from sales to financing, are handled internally at the dealership. BHPH dealers sometimes offer low down payment auto financing starting at $500 and sometimes require no down payment.
Not all Buy Here Pay Here dealerships operate under the same guidelines, so it's essential to ask them about their payment policy and fully understand the terms before signing the contract. Just because your auto financing options are limited doesn't mean you need to settle for a less-than-satisfactory used car buying experience.
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 and can help you improve your credit score.
Who should go to a Buy Here Pay Here dealership?
Shoppers with bad credit or who are just starting to build their credit history are the most likely to purchase a used car from a Buy Here Pay Here dealership. When traditional lenders like banks, credit unions, and OEM finance companies deny a car loan, a BHPH dealer can help credit-challenged customers secure auto financing.
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.
Saving up a larger downpayment or adding a co-signer to the car loan are two ways that will almost always guarantee auto financing approval at a BHPH dealer.
Credit Help Center
Learn how to buy a car with bad credit or no credit.
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