Buy Here 'N Pay Here

Do you want to finance a new vehicle but don't have time to go from car lot to car lot to have your credit approved? At BuyHereNPayHere.com, you can get approved for buy here pay here financing in less than 3 minutes. We work with a vast national network of local buy here pay here car lots to find you in-house dealer financing even if you've been turned down for bad credit, no credit, bankruptcy, or past repossession. Get Approved Today!

The Advantage of Buy Here Pay Here Financing

More than 25% of Americans have credit scores of 620 or less due to late credit card payments, medical bills, bankruptcies, repossessions, or any of a number of other factors that lead to poor credit.

Most traditional banks, credit unions, and manufacturer finance companies only grant auto loans to consumers with the best of credit. This is especially true in these hard economic times. With minimum credit thresholds for approval, all too often they will take one look at a consumer with bad credit and reject them right off the bat.

To service this market, many dealerships both small and large have begun to offer in-house financing directly for their customers. This means you typically make your car loan payments directly to the dealer, which facilitates a closer relationship between you, the buyer, and your car dealer. Oftentimes this results in you getting a vehicle in better repair that you otherwise would, as the dealer has more at risk having lended you the money out of his or her own pocket.

Although buy here pay here financing was once available only at smaller independent car lots, our dealer network includes many larger franchise dealerships who have begun to offer in-house dealer financing. Additionally, many of our buy here pay here dealers also work with traditonal car lenders like banks and finance companies, and after you've displayed a history of making your first 6+ payments in full and on time, they will allow you to refinance through a more traditional lender if you so desire.