Buy Here Pay Here Car Dealers

BHPH car dealerships offer in house auto financing for customers with bad credit. Enter your location to begin.
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Alternative In House Auto Financing

"Buy Here Pay Here" is a term used when a customer purchases and finances a vehicle directly through an auto dealership. And no credit check is usually required when you get a buy here pay here auto loan. The loan is provided directly through the BHPH car lot, and your credit history doesn't matter, as long as you have a regular, verifiable income and a down payment.

Not all in house financing dealerships report positive payments to the credit bureaus, but many do, so try to work with one that does report your payments on a regular basis if you're trying to build or rebuild your credit. And BHPH car lots often set up weekly or biweekly payment schedules, with the payments being made directly to the cashier at the dealership. This is why they are often referred to as in house financing car dealerships.
The Drivers Lane Dealer Network includes BHPH dealers, as well as bad credit and no money down car dealers, who have access to the nation's top subprime 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 quality pre-owned vehicle with little or no money down.
Buy Here Pay Here vs. Conventional Auto Finance Companies
In House Financing
  • No credit history is required and your credit will likely not be checked.
  • Payments are made directly to the car lot.
  • The dealership may not report payments to the credit bureaus.
  • A down payment is recommended.
  • BHPH lots typically only sell used vehicles.
Regular Auto Finance Lenders
  • Your credit score and history are taken into consideration in determining approval.
  • Payments are made to the finance company (usually on a monthly basis).
  • Payments are always reported to the credit bureaus.
  • Loans can be acquired with no money down, especially if a vehicle with cash value is traded in.
  • Loans are available for used and new vehicles.
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Buy Here Pay Here No Money Down
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Auto Loan Terms
Telephone Bill
Some lenders require proof of home phone services before approval. Many lenders are now accepting cell phone bills as well.
Mar 28, 2015, 10:28 am
Auto Loan Terminology
Frequently Asked Questions
How much will I qualify for?
The loan amount that you will qualify for is based on a number of factors. Our car dealers use variables such as income, your credit, employment history, and more to determine how much you qualify for.
Mar 28, 2015, 10:08 am