Buy Here Pay Here Dealers in Ohio (OH)

Buy Here Pay Here

Many banks, credit unions, and other traditional car lenders rarely approve 600 credit score auto loans or less.  But buy here pay here car lots extend credit 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 Ohio dealer network. When you submit your application, our online service will go to work matching you to the best Ohio 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 can step onto the car 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 approved.

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BHPH Financing Tips

Ohio Buy Here Pay Here
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Most buy here pay here car sales are for used cars — best choice if you’ve had credit problems. New cars depreciate to only 75% of their original value as soon as they leave the showroom floor.

That’s because car buyers pay retail, but as soon as the car is sold, dealers will only pay wholesale to get it back. A vehicle for which you agreed to pay $14,000 over a 72-month period may be worth only $11,200 before the week is up.

The result is what’s known as an upside down car loan.  For this reason, putting money down is smart if you can afford it. It will cut your car payments considerably and make it easier to pay off your auto loan if you sell the vehicle.

Fortunately, BHPH dealers are receptive to trade-ins. 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 next one.

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Using Buy Here Pay Here Financing to Improve Your Credit

Loans for vehicles or homes are one way to rebuild your credit. Most mortgage lenders are notoriously picky about poor credit, but buy here pay here lots are just the opposite. By making your payments on time and in full, you will start boosting your credit month after month.

Apply for Buy Here Pay Here Financing