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Over time, your credit score can improve. Getting the vehicle Auto loans bad credit entitle you to procure all the money required to buy a new car or a used one with just a small down payment. At a BHPH dealership, the process is usually reversed. The best way to get a good deal is to shop around and compare the various rates available from different vendors. 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. 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. The dealer will ask you a series of questions, possibly run a credit report and invest in understanding your credit experience before showing you available cars. You therefore "buy" the car at the dealership and "pay" on the loan at the dealership. If you consistently make payments on a BHPH car loan, many dealers will report that positive behavior to the credit reporting agencies

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