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That's because these types of dealerships understand the value and benefit of getting long-term use out of cars that many traditional dealerships would not accept. Instead of making monthly payments to a traditional lender, you make weekly or bi-weekly payments at the dealership. Because car loans are secured, the interest rates are better than those on unsecured loans. If you consistently make payments on a BHPH car loan, many dealers will report that positive behavior to the credit reporting agencies. Regardless of your past credit history, there are several car credit specialists able to provide you with no-obligation quotes from dealers in your area. . 3. Over time, your credit score can improve. One of these things is a high pre-payment penalty. Who should go to a BHPH dealership? BHPH dealerships are primarily designed for shoppers who may have experienced significant financial bumps and bruises. The key difference between a traditional dealership and one that strictly specializes in BHPH financing lies in the shopping experience. Nowadays car dealers are also coming forward with new packages with flexible terms. The chance to choose from available cars, make affordable monthly payments and enjoy the freedom a car offers can't be overstated. What does