What is Buy Here Pay Here?

Buy Here Pay Here

You’ve done the research and have taken several test drives. Now, it’s time to buy your next car! What type of financing makes the most sense for you?

At Pat Peck Nissan, we want to help Gulfport, Pascagoula, and Waveland drivers explore their options. In this article, you’ll learn about Buy Here, Pay Here (BHPH) financing and other more conventional finance routes.

Learn all about our financial services below and don’t hesitate to contact us if you have any questions!


What is Buy Here, Pay Here Financing?

Buy Here, Pay Here loans are a different way to finance. Here’s how it works: Instead of financing via a third-party lender, you’ll finance directly through the dealership. It’s a streamlined way to buy that has its pros and cons.

Below, you can learn about the advantages and disadvantages to BHPH loans. See how they affect your ownership experience from the day you buy to long after you’ve driven off the lot!

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Pros & Cons of BHPH Finance

Why are many shoppers comfortable with BHPH financing? Its allure lies in its seeming convenience: You can get financing the moment you choose your car rather than shop for a third-party lender through the dealer or on your own time.

In addition, this method of financing does not require a credit history check. This perk makes it appealing to shoppers with no credit or less-than-perfect credit. You can avoid a hard pull and still drive away with a finance deal.

However, there are downsides to this arrangement. When you choose a BHPH loan, you may find the dealer offers a restricted selection of cars to shop from and higher interest rates. It’s the price of doing business without a formal credit check.


Are We a Buy Here, Pay Here Dealer?

Our team is not a Buy Here, Pay Here dealer. We offer traditional finance through third-party lenders. While every shopper should choose the path that makes sense to them, we recommend conventional financing.

Why? Not only can it save you on interest in the long run, but it gives you more choice in terms of your next new ride. Also, there’s no need to be concerned about your credit history, either. At our  finance center, we have experience helping those from all credit backgrounds drive away with suitable deals. 

You’ll meet with one of our experts who will go over your budget and credit history. Per this discussion, we’ll come up with a payment plan that you feel good about. We’ll also reach out to local banks and lenders to get a good auto loan that has the right terms for you.

Before visiting our Nissan finance center, take a look at the various finance tools that we have on our site. There’s a secure finance application, which you can fill out to  get pre-approved and help speed up the buying process

There’s also a trade-in value tool. If you’re interested in trading in your current vehicle, this feature can help. Simply fill out some basic information about your car, and it’ll estimate how much money you could get to put towards a new vehicle.

Finance at Pat Peck Nissan

We hope you found this guide to Buy Here, Pay Here financing helpful! Should you opt for a more conventional finance route, our team is happy to assist. We’ll help you score competitive financing and drive home in your dream car, no matter your credit history.

Visit Pat Peck Nissan near Gulfport, Pascagoula, and Waveland today to get started. We look forward to working with you!

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