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If you find it hard to make sense of the different options, the Office of Fair Trading provides its APR and Rebate Calculator for free online. A secured credit card can also help with fixing bad credit after bankruptcy. In case of unsecured ones no security will be asked from you as collateral against the loan. Buy Here Pay Here (BHPH) financing means that you arrange a loan and make payments on it at the dealership. What's the difference between a BHPH dealership and a traditional dealership? Depending on the dealerships you visit, very little. 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. The account can be opened with a cashiers check. Who should go to a BHPH dealership? BHPH dealerships are primarily designed for shoppers who may have experienced significant financial bumps and bruises. The key difference between a traditional dealership and one that strictly specializes in BHPH financing lies in the shopping experience. Opportunities to improve credit One of the ways to rebuild a credit history is to make timely payments on an installment loan. This will be figured.


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