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In the used car market in the United States and Canada, buy here, pay here, often abbreviated as BHPH, refers to a method of running an automobile dealership in which dealers themselves extend credit to purchasers of automobiles. [1] Typically, purchasers of cars at BHPH dealerships have poor credit history, and loans have high interest rates. [1]
“No-credit dealerships are one of the limited options that folks with bad credit have when searching for a new car, but they are often predatory and take advantage of the fact that these people ...
Floor planning is commonly used in new and used car dealerships. [2] Contrary to common perceptions, most car dealers do not pay cash for the vehicles on their lot. [3] Even smaller dealerships can have an inventory of vehicles representing millions of dollars of capital investment.
For example, if a dealer has an interest rate offer of 7.9% financing OR a $2000.00 rebate and a consumer's lending source offers 8.25%, a consumer should compare at the credit union what payments and total interest paid would be, if the consumer financed $2000.00 less at the credit union. The dealer can have their lending institution check a ...
Regardless of whether you have no credit or bad credit, there are ways to build your credit score, including becoming an authorized user and making timely payments. Having no credit is better than ...
No-credit-check installment loans. With no-credit-check installment loans, you borrow a lump sum of money and repay it over time through fixed monthly payments. They usually come with larger ...
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