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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. 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.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. You can learn more information from your banker about courses in your area that can give you more information on fixing bad credit after bankruptcy. Another part of fixing bad credit after bankruptcy involves having a stable work history and having a stable schedule of paying off your debts. Over time, your credit score can improve. The first step when looking for car finance is to contact a credit agency to see whether or not your credit report is completely error free. At a BHPH dealership, the process is usually reversed. Make sure you ask the dealership if reporting is a policy they follow..


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