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High Pre-Payment Penalties Predatory lenders like to include things in their contracts that make it nearly impossible for you to refinance your loan. 3. 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. Buy Here Pay Here (BHPH) financing means that you arrange a loan and make payments on it at the dealership. 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 should be one of the places you visit during a car search. This article explains some of the things to watch out for when seeking a bad credit or no credit car loan: Buy-Here-Pay-Here Car Lots Buy-here-pay-here car lots can seem appealing when you’re struggling to get approved for a car loan. Although some BHPH dealerships will accept payment by phone or online, many require that you physically bring a check or cash to their location. To get the loan at more negotiable terms try to improve your credit status by paying some of your debts if possible. The key difference between a traditional dealership and

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