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    We have best buy here pay here dealers listed on our website. You can choose best for you based on reviews, credits and vehicle inventory.

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    We have huge list of dealers who have most popular cars. Choose from the best you need and drive it home today.

  • Great Buying Experience

    Get a great buying experience with Buy Here Pay Here. We will help you in financing your car even if you have bad or no credit score. This is the benefit of buy here pay here car lots dealerships we have.

What is Buy Here Pay Here?

Buy Here Pay Here (BHPH) is a type of in-house financing where dealerships provide auto loans to customers with poor credit. BHPH dealerships are usually standalone used car lots that are not affiliated with a particular bank or financial institution.

The loans provided by BHPH dealerships are typically higher than those offered by traditional lenders, such as banks or credit unions. This is because BHPH dealerships assume a higher risk when lending to customers with bad credit. In return for this higher risk, BHPH dealerships typically charge higher interest rates and require larger down payments than traditional lenders. 

BHPH loans are typically short-term, lasting between two and four years. This is shorter than the typical auto loan, which has a term of four to six years.

The shorter loan term means that customers will have to make higher monthly payments, but it also means that they will build equity in their vehicle more quickly. If you're considering a BHPH loan, it's important to shop around and compare offers from different dealerships. It's also important to be aware of the potential risks involved with this type of financing.

How does Buy Here Pay Here dealer work?

Buy Here Pay Here dealers work by selling cars to customers and then financing the purchase through the dealership. The customer makes their payments to the dealership, which pays off the loan over time. This type of financing is often used by people with bad credit or no credit, as it can be difficult to get approved for a loan from a traditional lender.

Merits & Demerits of BHPH

• Tpically willing to work with people who have poor credit.
• Offer a wide variety of used cars.
• Usually have lower interest rates than traditional lenders. 
• Offer flexible financing terms. 
• A one-stop shop for car shopping and financing.

• May charge higher prices for cars.
• May require large down payments. 
• Aa shorter loan term than traditional loans, which could result in higher monthly payments.

Wrapping Up

Buy Here Pay Here is a type of dealership that allows customers to finance their car purchase through the dealership itself, rather than going through a third-party lender.

This can be beneficial for customers with bad credit or no credit history, as they may not be able to qualify for a traditional auto loan. However, it's important to keep in mind that Buy Here Pay Here dealerships typically charge higher interest rates and require larger down payments than traditional lenders.

If you're considering financing your next car purchase through a Buy Here Pay Here dealer, make sure you understand all the terms and conditions before signing on the dotted line.

Founder Introduction

I am passionate about cars and I love to share my knowledge about them with others. My father was a car dealer and I grew up in his dealership. I have always been fascinated by cars and how they work.

When I was old enough, I decided to take over the family business and continue my father's legacy. I am constantly striving to provide the best possible experience for my customers.

I want them to feel like they are part of the family when they come to my dealership. I believe that customer service is the key to success in any business, and I strive to provide outstanding customer service to all of my clients.If you are ever in New York, please come by and see us.

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We would love to show you around and answer any questions you may have about our cars or the car industry in general.

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