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High Interest Rates Even though you have bad or no credit, you should still be able to get a decent interest rate. By working on fixing bad credit after bankruptcy. There are services provided by online credit monitoring companies and credit bureaus that are available to estimate your credit rating. 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. Although some BHPH dealerships will accept payment by phone or online, many require that you physically bring a check or cash to their location. 2. The cars are generally used, and the dealership usually charges more than the blue book value for the cars. Buy Here Pay Here (BHPH) financing means that you arrange a loan and make payments on it at the dealership. In many cases, BHPH dealerships aren't just an option—they may be the only option when someone has been turned down by traditional loan institutions. In addition to being a way to get a new car, financing the purchase through a poor credit car loan can help repair your own credit history.


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