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In fact, many traditional new and used car dealerships have started to offer BHPH financing as an option. 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. Buy Here Pay Here (BHPH) financing means that you arrange a loan and make payments on it at the dealership. 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. That's because these types of dealerships understand the value and benefit of getting long-term use out of cars that many traditional dealerships would not accept. 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 won’t find a better interest rate. You purchase the car through what's referred to as in-house financing versus through a third party, such as a bank. Then, with your monthly payment range and down payment information factored in, they'll show you cars that.


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