Buy Here Pay Here (BHPH) refers to a financing model commonly used by car dealerships where customers can purchase a vehicle directly from the dealership and make regular payments to them, typically on a weekly or bi-weekly basis. BHPH provides an alternative option for individuals with poor credit or no credit history to obtain a vehicle. Unlike traditional financing or leasing, the customer works towards owning the vehicle through their payments, and ownership will eventually transfer from the dealership to the customer once all payments are made. BHPH allows customers to enjoy the benefits of vehicle ownership while accommodating their credit challenges, making it a viable solution for those seeking reliable transportation.

To qualify for our buy here pay here financing, you’ll need:

Our payment options are easy. You now have the convenience to make your payments online or in person.

Yes, in most cases, you can drive your vehicle home the same day.

Rest assured, at Cartime, we have your peace of mind in mind….

At Cartime, we believe in providing equal opportunities for all. That’s why we offer financing options to every applicant who submits a completed credit application with the required documentation, regardless of their credit history. We handle the financing process in-house, allowing us to make decisions promptly and efficiently. We understand that your credit history doesn’t define you, and we are committed to helping you secure the financing you need to drive away in the vehicle of your choice. With Cartime, you can expect a fair and inclusive financing experience that puts your dreams within reach.

At Cartime, we recognize the significance of your payment history. That’s why we report your timely payments to a reputable credit bureau. By doing so, we ensure that your responsible payment behavior is recorded in your credit history, positively impacting your overall credit profile and score.

At Cartime, we strive to provide transparent and responsible financing options tailored to your specific needs. As part of our evaluation process, we do obtain your consumer credit file from one or more of the major credit bureaus. This enables us to assess your credit history and determine a fair financing amount, as well as appropriate payment and down payment terms.

“Buy Here Pay Here” financing can be a valuable tool for improving your credit score. When you participate in a Buy Here Pay Here program, your on-time payments are reported to credit bureaus on a regular basis. By consistently making timely payments, you demonstrate responsible financial behavior, which can positively impact your credit history and score.

If you miss a payment on your Buy Here Pay Here loan, it’s important to contact us immediately. We are here to help and provide support during challenging times. We understand that unexpected circumstances can arise, and we are committed to assisting you in finding a solution. When you reach out to us promptly, we can explore potential options, such as a grace period or loan restructuring, designed to help you catch up on missed payments.