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2. Then, with your monthly payment range and down payment information factored in, they'll show you cars that fit your financial situation. The average search for the phrase "Buy Here Pay Here" brings back more than 40 million results, each one saying something slightly different than the next. Buy Here Pay Here (BHPH) financing means that you arrange a loan and make payments on it at the dealership. If you consistently make payments on a BHPH car loan, many dealers will report that positive behavior to the credit reporting agencies. Over time, your credit score can improve. Who should go to a BHPH dealership? BHPH dealerships are primarily designed for shoppers who may have experienced significant financial bumps and bruises. Since they are generally used to purchase a used vehicle with a relatively short payback period, these types of loans are intended to be paid back easily in a timely manner, which in turn helps to re-establish a good credit rating. Although some BHPH dealerships will accept payment by phone or online, many require that you physically bring a check or cash to their location. After you've seen a few models, asked a host of car questions and possibly test driven one, the dealer

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