Unlike other dealerships, we finance 99% of our vehicle sales. We do not shop your car loan application out to other banks or financial institutions. Our in-house auto financing helps your credit score stay higher and allows us to approve you faster!
Need an affordable used car with a low down payment? Buy Here Pay Here car dealers near you have cars for sale with only $500 down (or less)!
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Buy Here Pay Here
Frequently Asked Questions
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.
Credit Help Center
Learn how to buy a car with bad credit or no credit.
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1 owner. Car is accident free and on original paint. Guarantee non PHV else money back. Car inspected by workshop with recommended replacement done. Low fuel consumption. Quiet and non shaky engine. Healthy grippy CVT. Overall a perfect cost effective mid size sedan. Warranty and servicing package provided. High loan/trade in/scrap welcome
1 Owner, New Engine Mounting, Short term commitment to drive Conti car at affordable depreciation! Reliable yet spacious, low maintenance cost. Full loan welcome with high approval rate! Call us now for more details!
View to appreciate only, one careful owner, accident free, no repair needed, high trade in and loan available.
2 owner. 100% accident free. Full agent (Wearnes) serviced and maintenance done. Well kept pristine condition. Renowned reliability with superb low fuel consumption of up to 1000km per tank. High tech with lots of features. High power and quiet drive with high tech features. Warranty and free servicing packages provided. Flexible financing. High loan/trade in/scrap welcome
High spec unit with sport chrono, PSM and sport plus mode. Perfect accident free chassis. Car inspected by workshop with needed wear tear done up. Zero oil leak, zero water leak and zero undercarriage knocks. Easily the better condition ones around. Flexible financing. High loan/trade in/scrap welcome
3 owner. Low mileage. Stock engine internals. Zero leak. Perfect compression test score. Perfect chassis condition. Car inspected and checked by pro shop. One of the neatest Evo you can get with a close to showroom condition interior. Flexible financing. High loan/trade in/scrap welcome
BUY BACK $27k when COE Expires! - Depreciation only at $16k! 100% loan available with fast approval, loan, and insurance guaranteed at the lowest rate! Excellent condition, Beautifully maintained, Wear and tear fixed, Sporty/Luxury performance and handling, Experience a Spacious and Responsive drive with 318i! Precheck arrangeable, welcome trade-in, viewing by appointment only! Consignment unit.