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You may be wondering, “what does buy here pay here mean?” This isn’t the most common form of auto finance, so many people aren’t very familiar. Buy here pay here is an alternative option that lets car dealers act as both the lender and the seller. If you have little or no credit history or a poor credit score, this is a great option for securing car financing! You can get approved quickly for financing regardless of your credit situation.
Now that you have a better idea of why buy here pay here means, you may be wondering how it works. Or perhaps you’re thinking, “how do buy here pay here car lots work?” Here’s the breakdown:
This process makes things a lot simpler for those with little to no credit, as the dealer will only show you options that fit within the amount you are lent. Buy here pay here also simplifies the financing process since there are no third-party lenders involved.
Have more questions about buy here pay here lending, or about other car buying options, like gap insurance? Feel free to reach out to our finance team at your convenience! We’re happy to walk you through the buy here pay here financing process in even greater detail. We can also walk you through our affordable options, including used cars under $10k. And if you need to calculate monthly payments before you visit us near Rexburg for a test drive, be sure to utilize our online payment calculator!