BuyHerePayHereCarLots.net
 


  Home

  Loan Application

  Search BHPH Car Lots By State

  Saving Money

  401K

  Accessories

  Automobile Loan

  Bank Accounts

  Bankruptcy

  Buy Cheap BHPH Cars

  Buy Here Pay Here Buying Process

  Buy Here Pay Here Loans

  Buy Here Pay Here Online Shopping Process

  Buy Here Pay Here Warranty Process

  Buying Tips

  Car Insurance

  Children Saving Money

  Credit Cards

  Credit Score

  Direct Deposit

  Down Payment

  Friends and Investing

  Honest Car Dealers

  How to Buy Cheap Cars

  Identity

  IRA

  Loans

  Online Insurance

  Questions to ask BHPH Car Dealers

  Questions to ask through E-Mail

Relationships

Repossession

Tires

Title

Trust Fund

What to Bring to a BHPH Dealership

Starter Interupt Device

Typical Size of a BHPH Dealership

Who Should Buy from a BHPH Dealer
About Us

Site Map

Buy Here Pay Here Car Loan

 

Are You A BHPH Car Dealer? Add Your Dealership On Our Website For Free!

The Buy Here Pay Here Experience Tell a Friend

Get Approved for Your BHPH loan before You Walk into the Car Dealership / Apply Here

Buy Here Pay Here Car Loan

Guaranteed Car Loan Approval From Multiple Lenders

  • No Money Down
  • Bankruptcy
  • No Credit
  • Bad Credit
  • Slow Credit
  • Divorce
Enter Your First Name:

$500 Down Payment Solution

Friend us on Facebook & Twitter / Apply for Your Car Loan

There are plenty of options out there when it comes time to purchase a used vehicle, even if your credit isn’t exactly in fighting shape. Traditional options like used car lots and individual sellers are now joined by the likes of the internet to provide shoppers with an unbelievable number of choices. Unfortunately, lending practices have grown tighter as the recession deepens, and hard-working people who would have had no problem finding financing two years ago are now being turned away from dealers and banks alike.

How Much Should You Pay For Your Next BHPH Vehicle?

When this happens, most buyers are presented with two possible options. First, they can settle for a less expensive, lower quality vehicle with high miles. No one likes to jump into a used vehicle that may end up costing them thousands more in repairs just a few months down the road. Fortunately, a second option exists — Buy Here Pay Here dealerships. These dealers are also known as in house financing car lots or tote the note dealers. Relatively new additions to the used car buying experience, Buy Here Pay Here Car Lots allow individuals to rebuild their credit while driving a high-quality used vehicle at the same time.

Down Payment Articles:

Is $500 Down Payment for my Next Car Enough?

10 Ways to Improve your Credit Score after Bankruptcy

Typical Buy Here Pay Here Vehicle

I have 500 down, is that down payment enough if I walk into a BHPH dealership?

$500 Down Payment. How to make my small down payment work for me.

How to Get a Car for $500 Down or Less

A Complete Buyers Guide on How To Buy a BHPH Car

Is 1000 Down Enough to Buy My Next Car

500 Down payment - What Type of Vehicle Can I Expect?

1000 Down payment - What Type of Vehicle Can I Expect?

How to Get a Car For Less Than $1000 Down

Buy Here Pay Here Car Lots Blog

Tell a Friend

The BHPH buying experience differs from traditional used car buying in one key way. Usually, the buyer looks around on a car lot , finds a vehicle he or she likes, asks all the right questions and goes for a test drive. Once the decision to purchase has been made, the salesperson usually sits down with the buyer to discuss financing options. There are variations on the theme, but by and large price negotiation doesn’t begin until after the buyer has selected his or her vehicle.

With a BHPH system, the transaction works in reverse. The search for a quality used vehicle begins by meeting a salesperson and answering a few questions. Usually, the salesperson will ask buyers about employment history, debt load and what they’re comfortable with in the way of a car payment. The dealership may also obtain a credit report, though not always. A buyer may be asked to supply a list of references – people who know the buyer and will vouch for his or her personal integrity. Since buy here pay here car lots tend to rely less on an individual’s credit history than traditional used car lots, personal impressions and references play a large role in whether or not the dealer will provide financing.

Once a fair monthly payment is arranged after potential trade-in and down payment information is settled, the salesperson will then show the buyer vehicles to fit his or her price range. The result is a much more straight-forward approach to car buying. The dealer now has a good picture of the buyer’s financial situation and can direct them toward a quality vehicle that won’t strain the budget. That’s a big difference from most traditional dealers. These dealers are also known as in house financing car dealers.

The reason for the difference is simple. Since buy here pay here car dealerships don’t use an external lender, they finance buyers themselves. This allows the dealership to provide loans to individuals who may not otherwise be able to get financing, but it also means payments may be different from a standard auto loan. Most BHPH dealers require weekly or bi-weekly payments, sometimes in person only. That means the buyer must hand the dealership his or her payment in cash twice a month instead of dropping a check in the mail or paying over the phone. If you intend to purchase a vehicle through a BHPH dealership, make sure you fully understand payment stipulations.

The BHPH system isn’t designed for everyone. Individuals with a solid credit history may find a wider selection of newer vehicles at traditional used car dealerships. Still, for those whose financial past may have a few shady areas and need a second chance at getting back on track, the BHPH system can provide an excellent used vehicle and rebuild credit scores at the same time. We've also assembled a list of no credit check car dealerships. These dealerships offer bad credit financing as well. *

Buy Here Pay Here Dealers States/Cities

 

Alabama

> Search Alabama BHPH Dealers by City

> Search Alabama BHPH Dealers by City

Alaska

> Search Alaska BHPH Dealers by City

Arizona

> Search Arizona BHPH Dealers by City

Arkansas

> Search Arkansas BHPH Dealers by City

California

> Search California BHPH Dealers by City

Colorado

> Search Colorado BHPH Dealers by City

Connecticut

> Search Connecticut BHPH Dealers by City

Delaware

> Search Delaware BHPH Dealers by City

Florida

> Search Florida BHPH Dealers by City

Georgia

> Search Georgia BHPH Dealers by City

Hawaii

> Search Hawaii BHPH Dealers by City

Idaho

> Search Idaho BHPH Dealers by City

Illinois

> Search Illinois BHPH Dealers by City

Indiana

> Search Indiana BHPH Dealers by City

Iowa

> Search Iowa BHPH Dealers by City

Kansas

> Search Kansas BHPH Dealers by City

Kentucky

> Search Kentucky BHPH Dealers by City

Louisiana

> Search Louisiana BHPH Dealers by City

Maine

> Search Maine BHPH Dealers by City

Maryland

> Search Maryland BHPH Dealers by City

Massachusetts

> Search Massachusetts BHPH Dealers by City

Michigan

> Search Michigan BHPH Dealers by City

Minnesota

> Search Minnesota BHPH Dealers by City

Mississippi

> Search Mississippi BHPH Dealers by City

Missouri

> Search Missouri BHPH Dealers by City

Montana

> Search Montana BHPH Dealers by City

Nebraska

> Search Nebraska BHPH Dealers by City

New Mexico

> Search New Mexico BHPH Dealers by City

Nevada

> Search Nevada BHPH Dealers by City

New Hampshire

> Search New Hamphsire BHPH Dealers by City

New Jersey

> Search New Jersey BHPH Dealers by City

New Mexico

> Search New Mexico BHPH Dealers by City

New York

> Search New York BHPH Dealers by City

North Carolina

> Search North Carolina BHPH Dealers by City

North Dakota

> Search North Dakota BHPH Dealers by City

Ohio

> Search Ohio BHPH Dealers by City

Oklahoma

> Search Oklahoma BHPH Dealers by City

Oregon

> Search Oregon BHPH Dealers by City

Pennsylvania

> Search Pennsylvania BHPH Dealers by City

Rhode Island

> Search Rhode Island BHPH Dealers by City

South Carolina

> Search South Carolina BHPH Dealers by City

South Dakota

> Search South Dakota BHPH Dealers by City

Tennessee

> Search Tennessee BHPH Dealers by City

Texas

> Search Texas BHPH Dealers by City

Utah

> Search Utah BHPH Dealers by City

Vermont

> Search Vermont BHPH Dealers by City

Virginia

> Search Virginia BHPH Dealers by City

Washington

> Search Washington BHPH Dealers by City

West Virginia

> Search West Virginia BHPH Dealers by City

Wisconsin

> Search Wisconsin BHPH Dealers by City

Wyoming

> Search Wyoming BHPH Dealers by City

>>>>>>>>>>

Ottawa

>>>>>>>>>>

*Disclaimer: We do not endorse any dealerships on buyherepayherecarlots.net. Some of these dealers may not be "buy here pay here" dealers. Some may not offer "in-house", "bad credit" and some may not be "tote the note" dealerships. Some of them may run your credit. Please call them to verify. Also, if your a dealer and would like to be taken off this site, please email us here.

Web site and all contents Copyright BuyHerePayHereCarLots.net 2012, All rights reserved.