Shopping for a new car, truck, or SUV in Louisiana? Credit been turned down before? That’s OK at Buy Here ‘N Pay Here: we can help you get approved to finance a vehicle with bad credit.
Did you know that more than 1/4 of Louisiana residents suffer from bad credit? Sadly, from Baton Rouge to Shreveport to New Orleans, many banks, credit unions, and other traditional car lenders rarely approve car financing with common economic problems like:

- No Credit
- Poor Credit
- Bankruptcy
- Repossession
- Foreclosure
But Louisiana buy here pay here car dealers extend credit to car buyers directly (known as in-house financing) instead of sourcing loans through third party lenders. These dealerships want YOUR business, and they are more willing to work with credit problems and past financial hardship. They range from small independent car lots to multi-acre franchise dealerships who increasingly offer in-house financing.
How Buy Here ‘N Pay Here Works
In 3 minutes or less, we can help you get your credit approved from one of the many Louisiana buy here pay here car lots. Our cutting-edge technology will take into account your individual credit profile, income, down payment, and vehicle needs to find you a dealer willing to approve your credit in spite of credit problems or no money down. More than 90% of applicants are approved for distribution to our network of Louisiana buy here pay here dealers.
With your credit already approved for financing, you can step onto the dealer lot with added confidence and negotiating leverage. It puts the fun back in car shopping, enabling you to focus on the car you want, not the financing you need.
Buying a Used Car with Bad Credit in Louisiana

Most buy here pay here car sales in Louisiana are for used cars. This is usually the smartest option if by bankruptcy, repossession, or poor credit is tarnishing your credit history. Did you know that a new car loses up to 25% of its retail price as soon as you get it off the showroom floor and onto the public streets? You paid retail; the dealer or private buyer wants wholesale.
A proven reliable pre-owned car, truck, or SUV is often a smarter choice. If you decide to sell it, you’ll have a better chance of recouping your money and paying back your dealer loan without having to fork over additional funds that may be hard to scare up on short notice.
Budgeting for your New Car
Most financial experts recommend dedicating 17-20% of your budget to car payments, gas, auto insurance coverage, maintenance, registration and title fees, as well as other expenses like municipal transportation or other household cars, trucks, or SUVs.
Financing a Car Can Improve Your Credit
There are a few typical methods of repairing your credit score after late credit card payments, unpaid medical bills, bankruptcy or repossession.
These include:
- Applying for and Using a Secured Credit Card
- Becoming an Authorized User on a Relative’s Credit Card
- Taking out an Auto, Home, or Other Installment Loan
This last method is where a BHPH dealer can help, as they present a relatively easy way to secure an installment loan. If you send in all of your payments on time, and your dealer reports this good credit behavior to the credit bureaus, then your new car or truck can gradually build your credit.