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Additionally, most of these dealerships only report to a credit bureau when you’ve defaulted on your loan. What does Buy Here Pay Here mean? Despite being the fastest growing segment in the auto sales industry, there's not an official definition for Buy Here Pay Here in the dictionary. Who should go to a BHPH dealership? BHPH dealerships are primarily designed for shoppers who may have experienced significant financial bumps and bruises. A poor credit car loan usually has a higher than normal interest rate, and the payment periods usually range from two to five years in length. The cars are generally used, and the dealership usually charges more than the blue book value for the cars. Over time, your credit score can improve. Searching for an apt loan Like all other loans, auto loans bad credit are also available online making them accessible to a wide range of customers. You might not see "Buy Here Pay Here" written across the windshields of their cars, but phrases such as "We Finance" may indicate that option is available. At a traditional dealership, the financial conversation is often the last part of your discussion

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