How Does Buy Here Pay Here Work?

Couple buying a car

If you’re searching for a reliable vehicle for your daily Mesa driving needs or Tempe commute, one of your first steps should be to investigate your payment options and whether to finance with a bank vs. dealership. Financing directly with your dealership, also known as a buy here pay here program, is a great option for car-buyers with bad or no credit. That’s because your dealership is willing to work with you on a custom plan that’s affordable for you — something your bank is less likely to do.

Check out our low-mileage and used Toyota inventories, and get in touch to schedule a test drive with your favorites!

What Does Buy Here Pay Here Mean?

So, how do you buy here pay here car lots work? Because this payment option is less common than typical financing plans, many Glendale car-buyers aren’t aware of buy here pay here and its unique benefits. Essentially, buy here pay here allows your car dealership to act as your lender. Without the extra step of applying for a bank loan, your BHPH loan application and approval process can happen much faster.

Your dealership will also look at a broader picture of your financial health — not just your credit score. That’s great news for Tempe drivers with a low credit score due to past financial hardship or outstanding loans like student debt.

How Does Buy Here Pay Here Financing Work?

The buy here pay here process is a little different from typical auto financing. First, your loan application is reviewed by your dealership’s finance center. Then the team at your dealership will show you which vehicles in their inventory area are a good fit for your financial picture. That’s it! Many Phoenix drivers appreciate the simplicity of buy here pay here, especially compared to the more convoluted process of multiple bank loan applications and credit checks.

Discover Finance Options to Fit Your Budget at Rocky's Auto Credit!

Whether you’re searching for an auto loan with bad credit following repossession or bankruptcy auto financing near Phoenix, at Rocky's Auto Credit our goal is for you to drive home in a car you love that works for your budget. We’ll work with you one-on-one to ensure your financing or leasing monthly payments are affordable!

Saved Vehicles


You don't have any saved vehicles!

Look for this link on your favorites:


Once you've saved some vehicles, you can view them here at any time.

Contact Us


Call Now

470 S. Alma School Rd • Mesa, AZ 85210

Get Directions

Today's Hours:

Open Today! Sales: 9am-6pm

Rocky's Auto Credit 33.4062373, -111.8573523.