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You might not see "Buy Here Pay Here" written across the windshields of their cars, but phrases such as "We Finance" may indicate that option is available. 3. Opportunities to improve credit One of the ways to rebuild a credit history is to make timely payments on an installment loan. They are more likely to find a buyer for your car and thus more likely to take it as part of a trade-in. 2. Although some BHPH dealerships will accept payment by phone or online, many require that you physically bring a check or cash to their location. Instead of making monthly payments to a traditional lender, you make weekly or bi-weekly payments at the dealership. At a traditional dealership, the financial conversation is often the last part of your discussion. If you consistently make payments on a BHPH car loan, many dealers will report that positive behavior to the credit reporting agencies. 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. In many cases, BHPH dealerships aren't just an option—they may be the only option when someone has.


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