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What Is Buy Here Pay Here? How In-House Car Financing Works

Buy here pay here, also called in-house financing, means the dealer finances the car itself. You buy the car and make your payments to the dealer, not to a bank.

How it differs from a bank loan

With a bank or credit union, an outside lender reviews your application. With in-house financing, the dealer makes the decision. That can help people who have bad credit, no credit history or who have been turned down elsewhere.

What to ask before you sign

• What is the total price and the total you will pay over the life of the contract?
• What is the APR?
• When are payments due and how can you pay?
• What happens if a payment is late?

Those numbers must be in your contract. Read them and ask about anything that is not clear.

Your other options

In-house is not the only way. We also work with banks and credit unions, and you can go to your own bank and we will give you all the paperwork you need. Cash and bank checks are fine too.

All financing is subject to approval. To see which option fits you, read our financing page or call (949) 990-6996.

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