Buy Here Pay Here Car Dealers

Buy and pay here car dealerships offer in house auto financing and leasing for bad credit customers. Enter your location to begin.
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Alternative In House Auto Financing

"Buy Here Pay Here" is a phrase used when a customer purchases and finances or leases a vehicle directly through an auto dealership. No credit history is generally required when you get a buy and pay here auto loan. The loan is provided directly from the BHPH car lot. your credit history often does not matter as long as you have an income and a down payment.
The Drivers Lane Dealer Network includes BHPH dealers, as well as no money down car dealers, who have access to the nation's top sub prime auto finance companies.
Unlike traditional lending sources, alternative auto financing may not to show up on your credit report. Often, bad credit no credit car lots set-up weekly payment schedules which are made directly to the cashier at the dealership. That's why some people call them in house financing car dealerships.
Pre qualify Online
for Buy Here/Pay Here Financing
Get pre qualified online in about 3 minutes for on the lot financing to buy a new or used vehicle with little or no money down.
Compare with Conventional Auto Finance Companies
On the Car Lot Financing
  • No credit history required; credit might not even be checked
  • Payments are made directly at the car lot
  • Dealership does not report to the credit bureaus
  • A money down payment is recommended
  • Loans are frequently made for used automobiles
Auto Finance Lenders
  • A lending score card based on several factors is used
  • Credit score and history is taken into consideration
  • Payments are made to the finance company
  • No money down cars are available
  • Loans are available for used and new automobiles
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Buy Here Pay Here No Money Down
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Auto Loan Terms
Forced Placed Insurance
If a lender discovers that there is no insurance covering your automobile, it will take out a special policy to cover it's loan. This kind of insurance is expensive and it only covers the collateral. The lender will then add the premium costs of the new policy to your loan.
Jul 23, 2014, 8:01 pm
Auto Loan Terminology
Frequently Asked Questions
Will cosigners help?
A Cosigner may be considered for a Buyer who does not comply with all the credit requirements. The income of the Buyer, however, must meet all the income and budget guidelines without reliance upon the income of the cosigner.
Jul 23, 2014, 7:24 pm