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High Interest Rates Even though you have bad or no credit, you should still be able to get a decent interest rate. A savings account can even be used as collateral for the secured credit card. The Internet doesn't provide much more clarity. Auto loans like all other loans available in market come in two forms - secured and unsecured. 3. You therefore "buy" the car at the dealership and "pay" on the loan at the dealership. The account can be opened with a cashiers check. Make sure you ask the dealership if reporting is a policy they follow. That's because these types of dealerships understand the value and benefit of getting long-term use out of cars that many traditional dealerships would not accept. In fact, many traditional new and used car dealerships have started to offer BHPH financing as an option. Of course, you should not use too many cards or loans or pay back the loans or cards with low payments because the interest will add up over time. If your credit score is on the lower end of the scale or if you've had trouble getting an auto loan, a BHPH dealership


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