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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. Shop around before signing any contract. Additionally, most of these dealerships only report to a credit bureau when you’ve defaulted on your loan. But whether you're traveling 10 mph or cruising by at 70, it's difficult to understand anything from those four words. You therefore "buy" the car at the dealership and "pay" on the loan at the dealership. Buy-here-pay-here financing is best avoided if possible. Buy Here Pay Here (BHPH) financing means that you arrange a loan and make payments on it at the dealership. First, you should recognize that fixing bad credit after bankruptcy is to check to see what black marks on your credit report you need to get rid of. Updates will need to be made after your bankruptcy, so you should send information on your discharge to Equifax, Trans Union and Experian, the main credit reporting groups. At a BHPH dealership, the process is usually reversed. Some groups will take the money you save out of your account for payments, and by maintaining a savings.


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