Buy Here Pay Here

Things You Need to Know About Buy Here Pay Here

If you are experiencing difficulty obtaining credit, a Buy Here Pay Here is a great way for you to buy a car.  You may not need any down payment at all, or you may need a much smaller down payment than a larger auto dealership will require.  Buy Here Pay Here dealerships know that you need to have a car to get to and from work. 

Purchasing a car at a Buy Here Pay Here dealership allows you to buy a car and get financing at the same time.  You make your payments to the Buy Here Pay Here dealership.  If you stop making your payments, the dealership will repossess the car.

Make sure to scope out the dealerships you are interested in buying a car from to make sure that they are reputable.  You should look for a clean dealership.  Check to see if their seats are comfortable.  Do they offer internet access?  Do they have some sort of coffee machine, like a Keurig?  If they have their own service department, do they have a lounge area?  

Ask if the dealership a member of the National Association of Buy Here Pay here Dealers.  That is a national group who monitors the basic quality of Buy Here Pay Here dealerships.

Look for a Buyer’s Guide and a compliance checklist.  These must be displayed and show that the dealership complies with the Federal Trade Commission’s Used Car Rule.

The Buyer’s Guide will tell you:

  • The major mechanical and electrical systems on the car, as well as some of the major problems that consumers should look out for
  • Whether the vehicle is being sold "as is" or with a warranty
  • What percentage of the repair costs a dealer will pay under warranty
  • That oral promises are difficult to enforce
  • To get all promises in writing
  • To ask to have the car inspected by an independent mechanic before they buy
  • To get a vehicle history report and to visit cars for information on how to get a vehicle history report, how to check for safety recalls, and other topics
  • To ask for a Spanish Buyers Guide if the sale is conducted in Spanish
  • To keep the Buyers Guide for reference after the sale


Check out the cars!  Are they in good condition?  Are they certified pre-owned?  Make sure to ask for a CarFax report.  You don’t want to buy a car that will give you problems in a few months.  And you don’t want to end up with a car that was involved in a serious accident, either.

Talk to the dealer to find out what deposit amounts they will require.  Expect to make a down payment, a reasonable down payment. A dealer who asks for more than 20% down is not necessarily reasonable.

Make sure to ask if the dealer will report to the credit bureaus.  This will help you to build positive credit.

Don’t get too attached to one vehicle.  If you do, you may be settling when you don’t have to. Scope all of the vehicles out to make sure you buy the right vehicle for you.  Don’t allow the dealer to push you into making a purchase.  Pushiness may not be a good sign.  You want a quality vehicle that will last and is appropriate for your intended use.

It is not impossible to find a Buy Here Pay Here dealership that offers warranties.  Find a dealership that does offer an after-market warranty or sells pre owned certified cars.

Negotiate!  A good dealership will negotiate the interest rate and the purchase price of the vehicle.

Hopefully these tips will help you successfully find and buy your new car from a reputable Buy Here Pay Here dealership.  Happy shopping!