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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. As the very name implies bad credit holders also can apply for. Financing options are out there, but, often, they’re through predatory lenders. So, regardless of your previous credit history, with enough tenacity and research you should be able to get car credit on a vehicle within your budget and may even end up re-establishing your credit rating in the process. By working on fixing bad credit after bankruptcy involves having a stable work history and having a stable schedule of paying off your debts. When you refinance your loan, you pay the remaining balance in one lump sum, and, if your contract includes pre-payment penalties, you’ll have to pay that amount in addition to your principal balance. Although some BHPH dealerships will accept payment by phone or online, many require that you physically bring a check or cash to their location. It is important to keep credit limits low at first with the card.


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