BHPH Finder is a directory of Buy Here Pay Here dealerships: in-house financing lots that approve buyers with bad credit, no credit or a past repossession. Compare ratings, recent reviews, hours and directions before you visit.
10,454
Listed dealers
50
States
214
Cities
5,003,246
Reviews analysed
BHPH Finder lists 10,454 buy here pay here dealers in 214 cities across 50 states, each verified against its public Google listing and, where one exists, the dealer's own website. The average dealer holds a 4.3 Google rating. Every city page ranks its buy here pay here car lots and auto sales dealers by rating and review volume and shows opening hours, phone numbers and the financing terms each lot advertises, so you can compare the lots near you before visiting.
BHPH Finder reads each dealer's own website and records the financing terms it advertises. Pick a term to see every dealer in the country that claims it, ranked by rating, with a page per city.
Hendrick Toyota North Charleston sells new and used vehicles and provides full-service auto maintenance and repair in North Charleston, South Carolina.
Major World Used Cars Dealership is a car dealer in Long Island City, Queens, offering new and used vehicle sales and repair services.
Larry H. Miller American Toyota Albuquerque is a full-service dealership offering new and used vehicle sales, auto parts, and professional car repair services.
Richfield Bloomington Honda is a car dealer in Richfield, Minnesota, offering a selection of new and used vehicles with a multilingual sales team.
Toyota of Nashua is a car dealer and service center in Nashua, New Hampshire, offering new and pre-owned vehicles with seven-day availability.
EchoPark Automotive Charlotte offers a large selection of inspected secondhand vehicles with a focus on a transparent and pressure-free buying experience.
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BHPH lots finance the car themselves instead of sending your application to a bank, so approval is based on income and down payment, not a credit score.
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Payments are made weekly or bi-weekly, usually at the dealership or through its own portal. Many dealers report payments to credit bureaus.
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Down payments, rates and inventory vary widely between lots. Use ratings and review counts to shortlist two or three dealers first.
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Buy Here Pay Here (BHPH) dealerships sell and finance used vehicles under one roof. Because the dealer holds the loan, buyers with a credit score under 600, no credit history, a recent bankruptcy or a repossession can often drive home the same day with proof of income, proof of residence and a down payment.
Interest rates are higher than bank or credit-union loans, so comparing several dealers in your city before visiting can save hundreds over the life of the loan.
Browse dealers by state and city. Every listing shows the dealer's Google rating, review count, recent review excerpts, opening hours, phone number and a map link.
Listings are added to each city over time and refreshed periodically.
Most run a soft check or none at all. Approval is based on income, residence and down payment rather than a credit score.
It varies by dealer and vehicle; many lots start between a few hundred and a couple of thousand dollars. Call the dealer to confirm current requirements.
Only if the dealer reports to a credit bureau. Ask the dealer directly, as reporting practices differ from lot to lot.
Usually yes. Rates run higher than bank or credit-union financing, which is why comparing several lots in your city matters.