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In addition to being a way to get a new car, financing the purchase through a poor credit car loan can help repair your own credit history in the process. High Interest Rates Even though you have bad or no credit, you should still be able to get a decent interest rate. If your credit score is on the lower end of the scale or if you've had trouble getting an auto loan, a BHPH dealership should be one of the places you visit during a car search. Getting the vehicle Auto loans bad credit entitle you to procure all the money required to buy a new car or a used one with just a small down payment. The Internet doesn't provide much more clarity. What's the difference between a BHPH dealership and a traditional dealership? Depending on the dealerships you visit, very little. You purchase the car through what's referred to as in-house financing versus through a third party, such as a bank.Your introduction to the world of Buy Here Pay Here financing Chances are that you've seen the words "Buy Here Pay Here" painted boldly across the windows of a local car dealership.