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Car Buying Tips: Buy Here Pay Here

A lot of people with credit problems can still get a car via a buy here pay here dealership or BHPH for short. Alpha Auto Credit has connections with a lot of different buy here pay here dealerships. Apply now and we will connect you with the best resource in your area.


Understanding Buy Here Pay Here


Buy here pay here dealerships generally deal with used cars. At a buy here pay here dealership the dealer, not a third party finance company or bank, provides credit to the buyer. They require a down payment and normally have a fixed number of payments. They often do not have normal loans, instead the customer agrees to pay a specific amount for a specific number of months. Understand that with most buy here pay here dealerships that you cannot pay the loan off early to reduce the interest rate.




If you have your paperwork ready for the loan it will help things move along a lot faster. Here are common elements need to get a loan. Specific dealers may have different requirements.


  • Proof of income (such as pay stubs, social security documentation, or pension documentation)
  • Proof of insurance
  • Proof of residence (a recent utility bill, lease, or mortgage)
  • Current driver’s license
  • Name, address, and telephone numbers for at least 2 references


Other Names


Here are some other names or terms or abbreviations that buy here pay here dealerships call themselves.


  • BHPH
  • Special Financing
  • Dealer Financing
  • In House Financing
  • Note Lot
  • Tote the Note


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Alpha Auto Credit is a lead services provider to lenders and auto dealers throughout the USA. Average APR rates range from 3.2% to 24% depending on applicants credit score.
Some auto dealers and financial institutions may have implications for non-payment or late payments, please see your specific loan terms for more information.
By applying with Alpha Auto Credit, you agree to have your credit pulled for lending purposes and this could have an impact to your credit score. Thank you for choosing Alpha Auto Credit services.