Buy Here Pay Here Car Lots in Florida (FL)

Buy Here Pay Here

Have you been turned down for an auto loan before? You’re not alone — more than 1/4 of Floridians suffer from a credit score of 620 or less. Many banks, credit unions, and other traditional car lenders rarely approve auto financing with common financial hardships:

Buy Here Pay Here Car Lots in FL
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  • Poor Credit
  • No Credit
  • Bankruptcies
  • Repossessions
  • Foreclosures

But buy here pay here car lots lend to their customers directly.

In just 3 minutes, we can help you get approved for financing from one of the many buy here pay here car lots in our Florida dealer network. When you submit your application, our online service will go to work matching you to the best Florida buy here pay here car lot given your individual credit profile, income, down payment, and vehicular needs. With your credit already approved for financing, you’ll enjoy the following benefits:

  1. Increased Bargaining Leverage
  2. Decreased Anxiety
  3. No Fear of Credit Rejection
  4. Increased Focus on the Car You Want

>>Get Approved in 3 Minutes: Click Here

BHPH Buying Tips

FL Used Cars
Finance a Car Near You!

Pre-owned vehicles are at the core of most BHPH car lots in Florida — smartest option if you’ve had credit problems. New cars depreciate to only 75% of their original value the moment the tires hit the street. That’s because car buyers pay retail, but as soon as the car is sold, dealers will only pay wholesale to get it back. That means a steep drop in value.

For example, you might find yourself owing $15,000 for a new car that’s worth only $12,000. The result is what’s known as an “upside down car loan,” and nobody who’s been caught underneath one is likely to recommend it, especially if you ever want or need to sell the vehicle before it’s fully paid off. After all, you’ll have to come up with the extra cash to pay off the loan — often several thousand dollars. A preowned vehicle, on the other hand, has already undergone this initial drop in value.

Zero Down vs Money Down

A down payment is smart if you can afford it. It will reduce your car payments considerably and possibly improve the terms of your car loan. Fortunately, buy here pay here dealers are especially flexible when it comes to trading in your existing vehicle, even if it’s seen better days. Whereas you might not get much in trade equity at a traditional dealer, you might find your existing vehicle can secure you a handsome down payment on your new one.

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Repairing your Credit with a BHPH Financing Deal

Repair your Credit
The Path to Good Credit

There are 2 mainstay methods of repairing your credit : secured credit cards and significant installment loans. A secured credit card is used by people with poor or lacking credit to build good credit history through timely repayments. It is “secured” by a savings account that holds sufficient funds to pay off the card balance.

Large installment loans include automobile and home loans. Although most mortgage lenders are more discriminating about problematic credit history, a BHPH car dealer can grant you an auto financing loan. If you make your payments on a timely basis, and your dealer reports your payments to the credit bureaus , then your new car or truck can be a high-horsepower way to rebuild your credit.

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