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3. Credit increases will rise if you pay your payments for the card on time. If you consistently make payments on a BHPH car loan, many dealers will report that positive behavior to the credit reporting agencies. 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. One of these things is a high pre-payment penalty. At a BHPH dealership, the process is.