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Make sure you ask the dealership if reporting is a policy they follow. Additionally, most of these dealerships only report to a credit bureau when you’ve defaulted on your loan. Your introduction to the world of Buy Here Pay Here financing Chances are that you've seen the words "Buy Here Pay Here" painted boldly across the windows of a local car dealership. Although some BHPH dealerships will accept payment by phone or online, many require that you physically bring a check or cash to their location. One of these things is a high pre-payment penalty. By using new methods of handling your finances and avoiding old habits you can work on fixing bad credit after bankruptcy. Who should go to a BHPH dealership? BHPH dealerships are primarily designed for shoppers who may have experienced significant financial bumps and bruises. 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. In addition to being a way to get a new car, financing the purchase through a poor credit car loan can help repair your own.


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