Frequently Asked Questions (FAQ)
Q: What is Buy Here Pay Here (BHPH) or (In-House Financing)?
A: Buy Here Pay Here means that you can arrange a loan at the dealership and make your payments there. The payments are based on your pay schedule.
Q: Do prior repossessions, bankruptcy, bad/no credit or divorce affect my ability to buy a car?
A: No. We have a finance company that only we work with and your prior history is not as important as your current situation and your future. We are here to give good people who have had issues with credit another chance to buy a safe and reliable vehicle.
Q: Do you report to credit agencies?
A: We do not report to credit agencies. We will however at your request, provide a credit letter at the end of your loan providing proof of your overall payment history.
Q: How much money down do I need?
A: It depends on the vehicle you are interested in. The more money down the smaller your payments or term will be, which could lower your overall interest. We do have different options to assist people with down payments.
Q: How long do I have to be on the job?
A: We look for employment stability, but it will vary for every customer.
Q: What should I bring with?
A: Valid driver's license, pay stub, proof of address, reference sheet with at least 5 personal references, and your down payment.