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Buy Here Pay Here
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What To Ask
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to your first visit.
Car Sales And Loans
Buy Here Pay Here Car Dealers And In House Financing
UsedCarSale.com Financial Services:
Available As Of August 16, 2013
Request A Car Loan Program With A Bad Credit History
Submit an application to local buy here pay here car
dealers. Bad credit okay with proof of a current income, and residency.
Apply For A Buy Here Pay Here Payment Plan
Submit an application to local buy here pay here car
dealers who can assist those with no prior credit history. Must have proof
of current income.
Buy Here Pay Here Payment Plan For Those With No Credit
Submit an car loan application to local dealers that
can assist those of all credit types. Everyone with a current income approved.
Why Consider A Buy Here Pay Here Car Dealership?
economic conditions take a bad turn, car dealers have to find a way to provide
financing without the help of many lenders. Born is the buy here pay here car
dealer, or a dealer who provides financing help in house. In many cases, dealers
would have little or no remaining business if they did not offer frustrated car
shoppers an alternative to the conventional banks and lenders.
Can A Buy Here Pay Here Car Dealer Help Those With
Typically, buy here pay here car dealers are the resource commonly utilized
by those with bad credit, or no credit at all. Because buy here pay here car
rarely reference a customer's credit report, they can, and will, base lending
approvals on the customer's employment, income, and residency. In other words,
at most buy here pay here car dealerships, customers need only prove a steady
source of income, and strong ties to the community in which the dealer does
Apply For A First Time Buyer Program
Submit a car loan application to local dealers who
can assist first time buyers with no credit history. Must have proof of a
Buy Here Pay Here Concerns
before you race to your local buy here pay here car dealership, there are some
pitfalls you should be aware of. First, buy here pay here car dealers will
certainly charge a higher rate of interest, and you, as the customer, should be
very thorough when inquiring about what interest rate your dealer is going to
Secondly, buy here pay here car dealers will be quick on the draw to repossess
your vehicle at the first sign of late payments, or loan default.
And - many buy here pay here car dealers will fill their inventory with vehicles
that are road worn, and not worthy of your patronage.
Don't let a bad credit history create a situation where you feel you have to
settle for a vehicle, and terms, your are not comfortable with. There are many
buy here pay here car dealers, competing for your business, and willing to
extend a deal your budget will afford, and a vehicle that won't have to spend
every other weekend at the mechanic's shop.
A bad purchase decision at a buy here pay here car dealership can create even
bigger hardship than the one that caused to have to visit that kind of
dealership in the first place.
The latest trend in the buy here pay here car business:
Buy a car, get a GPS, too.
Posted August 16, 2013
The twist is you may never know about it.
Buy here pay here car dealers — especially the ones who cater to customers
with bad credit — are increasingly placing GPS devices on the cars
These devices aren't the kind you mount on the dashboard to navigate city
streets. They're electronic locators, designed to help the repo man find
your car if you stop paying. Some devices can even disable the car until you
In the cat-and-mouse game between the late-paying car customer and the
buy-here, pay-here dealer, the GPS locator is a new weapon.
The trouble comes when the buy here pay here car dealer fails to mention it.
"They don't want the customer to know that if they don't pay, they can come
find it," said Duane Overholt, an industry critic who runs the website
Car repossessions guided by GPS are so widespread the buy here pay here
industry has its own trade group: The Payment Assurance Technology
The group has a code of ethics that requires its members to "fully define
and disclose" these devices to customers.
"It's the deep sub-prime, buy-here pay-here, consumers with poor credit
scores," who are targeted with these secret devices
Some of these devices not only serve as locators, but also as reminders. If
a payment is due, the device beeps for 20 seconds — kind of like a seat belt
reminder — after starting the car.
A customer with a low credit score often is happy to buy a car with a GPS
locator installed, and to sign a contract that discloses the device. Without
it, he or she might not be able to buy a car at all.
Michael Fischer, who owns GPSandTRACK in Phoenix, said the decision of
whether to disclose the devices should be left to dealers.
They aren't being used to spy on customers, he said, they're a way of
getting cars back if people don't pay.
"The dealers could care less what their customers are doing all day," he
Jon Mills, professor and dean emeritus of the University of Florida's Levin
College of Law, said secretly placing devices raises "a lot of red flags."
He called it "an intrusion upon seclusion." The practice reminds him of the
controversy that arose after several large rental companies were caught
secretly placing spyware on computers they rented out.
"Essentially what they're trying to do there is stalk the person," said
Timothy Kaye, a law professor at Stetson University. "And you don't have a
right to stalk anyone."
Vehicle Review: 2012 Hyundai Sonata
Posted May 23, 2013
Whether it's the Elantra scrapping with the economy compacts or the Equus
trading barbs with encrusted luxo-yachts, Hyundai seemingly has a fighter in
every weight class.
midsize sedans, the 2012 Hyundai Sonata was the Korean automaker's
contender. In prior years, the Sonata was nothing more than a midpack
player, but that all changed with 2010's full redesign, in which the Sonata
gained dramatic new styling, new engines and a revamped interior.
Under the hood was a choice of a powerful 2.4-liter four-cylinder or, in
lieu of a V6, a turbocharged 2.0-liter four-cylinder. With 198 horsepower
(200 in SE trim), the base engine satisfied just about everybody, especially
when it returned a very impressive 28 mpg combined when paired with the
six-speed automatic transmission. Equally impressive is the turbo engine,
which cranked out 274 hp yet still gets nearly identical fuel economy
Ask The Right Questions
Posted May 13, 2013
Getting the right answers starts with asking the right
questions. That's why we created Buy Here Pay Here Financing Basics and this
list of questions designed to give you a starting point in your conversation
with a Buy Here Pay Here (BHPH) Dealer. Choose the ones that matter most or
add your own questions to get the information you're interested in.
1. What do I need to bring when I visit your
Bringing the correct documents to a buy here pay here dealership can
speed up your purchase process. Although the list of items can differ
depending on your unique credit situation and each dealer, we interviewed
buy here pay here dealers around the country, and here is what they suggested you take:
Proof of Auto Insurance
Financial Info (bank and credit card account info to
fill out credit application)
Social Security Number
References (with complete contact info)
Proof of Employment and Salary (paycheck stubs, with
one less than 30 days old)
Proof of Residence (mortgage document or rental lease
Current Phone Bill (or other utility bill such as gas,
electric or water)
To find out exactly what to bring, call the dealership
before you visit. They'll help you pull together everything you need.
2. How do you accept payment?
Instead of making monthly payments to a traditional
lender, you make weekly or bi-weekly payments at a BHPH dealership. Many
BHPH dealers require you to bring cash physically to their location, but
some are expanding the ways they'll accept payment. Ask if they take payment
by phone or online. Some dealers will require an automatic withdrawal if you
currently have a checking account, savings account or credit card. Other
dealers offer the option of paying through money orders. Explore a variety
of payment methods with your dealer to find one that best fits your
3. What is your late payment policy?
You'll want to understand the dealership's late-payment
policy. Will they repossess the car the day after you fail to make a
payment, or is there a grace period? Will they contact you or simply take
the car back with no questions asked? More than likely, this will never be
an issue, but it's good to know what to expect if an emergency temporarily
delays your payment. You might also ask if the dealership regularly reports
both positive and negative payment information to the credit reporting
agencies. If you have a good payment record and the dealer reports this
information, this can help you start or rebuild a credit history.
4. Where are you located?
When selecting from a list of buy here pay here establishments,
location is important. Pick one close to where you live or work so that it's
convenient to come in to make your payment. What's more, BHPH dealers prefer
to work with customers who live close to the dealership so that it's simple
to maintain the financial agreement geographically. So, finding a dealership
nearby may make it even easier to get the car loan you need.
5. What value do you place on providing quality
Bad credit shouldn't prevent you from getting a good
vehicle. In fact, many buy here pay here dealers are focused on offering reliable
vehicles. They understand that to ensure your faithfulness to the payment
plan, they need to offer you a dependable vehicle. Ask dealerships about the
inspection standards or reconditioning processes they use to prepare
vehicles for purchase. See if they offer maintenance and repairs onsite, or
if they have a partner provider who does. A reliable vehicle serves the
interests of both parties, and a dealer should be happy to provide you with
Buy Here Pay Here Car Dealers *
Bad Credit Approved With Proof Of A Steady Income **