BHPH Financing
We Finance You Directly
No bank. No credit check. Just a conversation about your income, your down payment, and the right vehicle for your budget.
Apply
Fill out our application online or in person. Takes 10 minutes.
Pick Vehicle
Choose from our current inventory. We'll match you to what fits your budget.
Down Payment
Put down your agreed amount and we handle the rest.
Drive Home
Sign your paperwork and take your vehicle home — same day.
What You Need to Bring
- Valid driver's license or state ID
- Proof of income (pay stubs, benefits letter, etc.)
- Proof of insurance or ability to obtain it
- Down payment
- Phone number and references
Frequently Asked Questions
What does Buy Here Pay Here mean?+
BHPH means we are the lender. Instead of a bank or credit union approving your loan, we finance you directly. This means we can work with more customers, including those with bad or no credit.
How does payment work?+
You pay us directly — in person, by phone, or online. We offer weekly, biweekly, and monthly payment options to fit your schedule.
What credit score do I need?+
None. We don't rely on credit scores. We look at your current income, down payment, and stability to make a decision.
Can I really drive the same day?+
Yes. If you come in with your documents and down payment and we have a vehicle that fits your budget, you can drive home the same day.
What happens if I miss a payment?+
We work with our customers. Communication is key. Call us before you miss — we'd rather help you keep your car than have to repossess it.
Is there a warranty?+
Yes. Every vehicle we sell includes a 30-day engine and transmission warranty. We stand behind what we sell.