Are you looking for a reliable vehicle but struggling with traditional financing options? Lucky 7 Car Store offers Buy Here Pay Here (BHPH) financing, a hassle-free way to get you on the road regardless of your credit history. Whether you have bad credit, no credit, or past financial issues, BHPH financing can provide a path to vehicle ownership when traditional lenders say no.
What Is Buy Here Pay Here Financing?
Buy Here Pay Here (BHPH) is a type of in-house auto financing where the dealership itself extends credit to customers. Instead of relying on banks or third-party lenders, the dealership handles the financing directly. This means that Lucky 7 Car Store acts as both the lender and the seller, simplifying the approval process and making it easier for buyers with less-than-perfect credit to secure a vehicle.
How Does Buy Here Pay Here Financing Work?
At Lucky 7 Car Store, the BHPH process is straightforward and designed to get you in a car quickly. Here’s how it works:
Choose Your Vehicle – Browse our selection of high-quality used cars, trucks, and SUVs to find one that fits your needs and budget.
Apply for Financing – Instead of going through a bank, you apply directly with us. We assess your financial situation, including your income and expenses, to determine a financing plan that works for you.
Get Approved Fast – Because we make the lending decisions in-house, we can offer approvals quickly, often the same day.
Make Payments to the Dealership – With BHPH, you make your car payments directly to Lucky 7 Car Store. Many dealerships require weekly or bi-weekly payments, which can be made in person, online, or via other convenient methods.
Benefits of Buy Here Pay Here Financing
BHPH financing at Lucky 7 Car Store comes with several advantages, especially for buyers who have struggled with credit challenges. Here’s why it might be the right option for you:
No Credit Check or Low Credit Approval – Unlike banks that require good credit, we focus on your ability to make payments rather than your past credit history.
Quick and Easy Approval Process – Traditional lenders can take days or weeks to process loans, but BHPH allows for faster approvals, sometimes the same day.
Affordable Down Payments – We work with you to establish a reasonable down payment, making it easier to drive away in a reliable vehicle.
Improves Credit Over Time – Some BHPH dealerships report payments to credit bureaus, helping you rebuild or establish your credit with consistent, on-time payments.
Is Buy Here Pay Here Right for You?
BHPH financing is a great option for those who:
Have been denied a car loan due to bad credit or no credit.
Need a vehicle immediately and can’t wait for lengthy loan approvals.
Prefer a straightforward, in-house financing process with flexible payment options.
Want a chance to rebuild their credit through regular car payments.
Drive Away Today with Lucky 7 Car Store!
At Lucky 7 Car Store, we believe that everyone deserves reliable transportation, regardless of their credit history. Our Buy Here Pay Here program is designed to make car ownership accessible and stress-free. Visit us today to explore our inventory and start the easy financing process!
Don’t let credit challenges stop you from getting the car you need. Contact Lucky 7 Car Store today and let us help you drive away in a quality vehicle with our Buy Here Pay Here financing!
