Cars for sale near me no credit

What Is (BHPH) Buy Here Pay Here & In-House Financing?

Buy here pay here or BHPH is a phrase used by car dealerships that offer in-house financing. With in-house financing you can finance a car and make the loan payments at the same dealership. A used car salesmen would say “buy the car here, pay for the car here“.

Can You Get In-House Financing With Bad Credit?

BHPH dealerships normally work with individuals that have no credit or bad credit. As long as you can prove you make enough income and have a drivers license, most BHPH dealerships will offer you in-house financing to purchase a used vehicle. Apply for in-house financing online.

How Does Buy Here Pay Here Work?

Buy here pay here works like this:

1. Show up at the dealership
2. Choose the vehicle you are interested
3. Provide the your 3 paystubs to prove income
4. The dealership will tell you if you make enough income or not
5. Make your $500 down payment
6. Drive off the lot with a used car
7. Keep up with your payments to the dealership

If you do not make enough income for the BHPH dealership to trust you, they will make you get a cosigner with good credit or better income to help with financing the vehicle.

Buy Here Pay Here (BHPH) Requirements

• Name
• Address
• City
• Date Of Birth
• Email
• Phone Number
• Drivers License Number
• Rental Information
• Last 3 Paystubs

Can a Buy Here Pay Here Car Be Traded In?

Yes you can trade in a BHPH car even it you have not completely paid it off yet. Normally, the BHPH dealership that sells you your used car will pay off your previous loan and add the balance onto your new loan. Dealerships usually take care of all the leg work in these types of situations. For example, if you owe $4,000 on your old vehicle that’s worth $3,000, the dealership just add the $1,000 to the new loan.

What Does $500 Down Mean?

500 down means $500 down payment. $500 down is a term used by buy here pay here car dealerships who only require a $500 down payment for you to be eligible to purchase a used car.

How Does No Credit Check Car Dealers Work?

No credit check car dealers work by offering in-house financing, also known as buy here pay here financing, vs helping you attain a loan from a bank or auto financing company like most car dealers do. Buy here pay here financing allows you to purchase a car with poor credit, bad credit, or no credit because the dealer is taking all the risk themselves and can make their own decisions on who they want to finance. As long as you can provide at least a $500 down payment and can prove you will make payments on time most no credit check car dealers will sell you a car.

BAD CREDIT, NO CREDIT, NO PROBLEM

Courtesy Chevrolet is so happy that we can offer easy, quick auto loans to people in Phoenix. We believe all auto loans in Phoenix should be simple, fair, and open to people with bad credit no credit. Sometimes your life is just getting started, and you haven't had time to accumulate a credit record. At other times, life has been going on for awhile, and you've had bumps along the road. We understand that people often struggle during certain years to keep up with credit debts. That's why we give everyone a chance to qualify for our simple auto loans in Phoenix.

OUR PROCESS AND OUR COMMUNITY

We've devised a simple credit application which delves into your finances in the least complicated way possible to give us an overview for pre-approval. This expedited process allows us to serve people of all incomes and credit rating ranges for a satisfying end result for the people who work with us. By pre-screening and doing pre-approval, we avoid giving false hopes to people who don't qualify, and we open a wonderful gateway to auto loans for folks who do qualify.

The community we serve is by far the most important priority at our dealership. Why? Well, the community gives to us, and we want to give back to it. Our friends, family, and our team all live together under this great big sky in the Phoenix area. We shop at the same stores, see the same neighborhoods, and experience the same daily frustrations and joys. We see ourselves as a beacon of hope to those of you out there who are struggling to get back on your feet. Let us help you rest those feet by putting you in a vehicle you love.

LOANS TO FIT EVERY SITUATION

Situations in life change second to second sometimes. Unforeseen circumstances arise. If you're one of those people who's recently experienced a dip in your credit rating due to life's little twist and turns, let us help you navigate the complex processes ahead of you. When you've got our team on your side, you have a friend no matter what your situation is.

Some people have bad credit. They fell on rough times and faced difficult circumstances that made them prioritize things like healthcare or other expenses. Still other people are young and need a shot to prove their reliability. We help both extremes of people and everyone in-between, including those on the fence on both credit and income. You never need to despair when shopping for a vehicle with us, because we've got just the right tone to match your tastes and loan situation. Our team is respectful, but most importantly, they're experts in helping people getting loans for our inventory.

INFORMATION ABOUT AUTO LOANS

If you've got Bad Credit No Credit, it's time to contact the compassionate people at Courtesy Chevrolet. We know that life happens. We know that no one is perfect. Let us give you a second chance to establish a great credit history for repaying an auto loan that will send you home in a vehicle you love. If you have questions before, during, or even after your application, we're here to answer those inquiries any time you need us. Write to us through a web form, email, or phone. And our doors are always open to the people who want to talk face to face. We wish you luck on your adventure to own a dream vehicle. We're here if you need a helping hand.

CONTACT US

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