Buy Here Pay Here Dealer

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Buy Here Pay Here Dealer

by Ben

tags: bad credit car loans buy here pay here

What is Buy Here Pay Here dealer?

Unfortunately there is no official definition for Buy Here Pay Here daler. Buy Here Pay Here (BHPH) financing means that you get a loan and make payments on the loan at the dealership. This is called in-house financing.

Instead of making monthly payments to a more traditional lender such as a bank, you make bi-weekly or even weekly payments at the dealership. Some Buy Here Pay Here dealerships will accept payment by phone or online, many still require that you bring a check or cash to their location.

So, what is the difference between a Buy Here Pay Here dealership and a traditional dealership?

Depending on the dealerships you visit, very little. In fact, many new and used car dealerships have started to offer Buy Here Pay Here financing.

The key difference between a traditional dealership and one that strictly specializes in Buy Here Pay Here financing is the shopping experience. At a traditional dealership, the financial conversation is often the last part of your discussion. At a BHPH dealership, the process is usually reversed. The dealer will ask you a series of questions, possibly run a credit report and invest in understanding your credit experience before showing you available cars. Then, with your monthly payment range and down payment information factored in, they'll show you cars that fit your financial situation.

Who should go to a Buy Here Pay Here dealership?

If your credit score is on the lower end of the scale or if you've had trouble getting an auto loan, a BHPH dealership should be one of the places you visit during a car search.

What are the benefits of BHPH financing?

1. Ability to Get a Car

The most important benefit of BHPH financing is that it gives credit-challenged people the opportunity to get into a car.

2. First Step to improve credit

One of best ways to rebuild a credit history is to make timely payments

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