Car Buying Tips: BHPH

A lot of people with credit problems can still get a car via a buy here pay here dealership or BHPH for short. Community Auto Credit has connections with a lot of different buy here pay here dealerships. Apply now and we will connect you with the best resource in your area.

Understanding Buy Here Pay Here

Buy here pay here dealerships generally deal with used cars. At a buy here pay here dealership the dealer, not a third party finance company or bank, provides credit to the buyer. They require a down payment and normally have a fixed number of payments. They often do not have normal loans, instead the customer agrees to pay a specific amount for a specific number of months. Understand that with most buy here pay here dealerships that you cannot pay the loan off early to reduce the interest rate.


If you have your paperwork ready for the loan it will help things move along a lot faster. Here are common elements need to get a loan. Specific dealers may have different requirements.

  • Proof of income (such as pay stubs, social security documentation, or pension documentation)
  • Proof of insurance
  • Proof of residence (a recent utility bill, lease, or mortgage)
  • Current driver's license
  • Name, address, and telephone numbers for at least 2 references

Other Names

Here are some other names or terms or abbreviations that buy here pay here dealerships call themselves.

  • BHPH
  • Special Financing
  • Dealer Financing
  • In House Financing
  • Note Lot
  • Tote the Note

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