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The cars are generally used, and the dealership usually charges more than the blue book value for the cars. 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. 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. Another part of fixing bad credit after bankruptcy over time you will be more likely to get good deals on financial tools or even more likely to get financial help in general. Trade-in flexibility BHPH dealerships tend to be more forgiving when it comes to accepting trade-ins on older model cars. Make sure to know what interest rates other companies are willing to give you before choosing one lender, even if that lender swears that you wonít find a better interest rate. High Interest Rates Even though you have bad or no credit, you should still be able to get a decent interest rate. The dealer will ask you a series of questions, possibly run a credit report and invest in understanding your credit experience.


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