What is Buy Here Pay Here Financing?

Buy here pay here (BHPH) is a unique financing option where the dealership acts as the lender. This means we don’t rely on third-party banks or financial institutions. Instead, you make your payments directly to us. This makes the process faster, more flexible, and accessible for customers who might not qualify for traditional financing.

We help people with credit problems such as bankruptcy, no credit or bad credit, get reliable transportation and a car loan, at terms they can afford. Most car dealerships are not prepared to deal with the credit challenged person. We are the specialists, this is all we do. We treat our customers with the respect they deserve.

Key Features of BHPH Financing:

• No credit or bad credit? Not a problem!
• Flexible payment plans tailored to your budget.
• Quick and hassle-free approval process.
• Vehicles Available Under $15,000
• Low down payments start at $500
• Quick and Easy Financing

SPECIAL AUTO LOANS

Many customers choose our dealership for special auto loans and alternative credit options on used cars for sale because they know we can help. A current dip in your credit doesn't have to keep you from getting into the used car you deserve. Be sure to apply for a special auto loan with our dealership, even if you're resolving the aftermath of a recent setback.

Why Choose Burns Auto Credit for Financing?

Our financing program is designed to make car ownership accessible:

• Buy Here Pay Here Program: We offer in-house financing, making the process simple and direct.
• Flexible Payment Plans: Payments are customized to work with your budget.
• No Credit? No Problem: Our program is built to help customers in challenging financial situations.
• Fast Approvals: Drive away in a dependable vehicle the same day!

What Do You Need to Get Approved?

Getting approved is simple! Make sure to bring:

• A valid photo ID (driver’s license).
• Proof of income (pay stubs, bank statements, etc.).
• Proof of residence (utility bill, lease agreement, etc.).
• Insurance information (if available).

Financing FAQs

Can I Get Approved with No Credit?

Yes, we specialize in helping customers with no or bad credit.

How Long Does Approval Take?

Approval’s can be done in minutes with complete application.

Can I Apply Online?

Absolutely! Our online application is quick and easy.

Do I Need a Down Payment?

Down payments vary depending on the vehicle and financing terms. Our down payments start at $500

Do you need large down payments?

Burns Auto Credit locations have vehicles starting with down payments as low as $500. We know you work hard for your money. You can use a trade in as a down payment also. Even if you don’t have your down payment right now, you owe it to yourself to contact us and let us show you what we can do. In addition, most Burns vehicles come with the exclusive Burns Auto Credit warranty. We offer not only the car, but peace of mind as well. Previous customers may qualify for a 0 down approval!

Can I take my vehicle to my own mechanic for him to inspect it before I purchase?

Yes, that is possible, if you are approved beforehand for that vehicle. We have confidence in our vehicles and stand behind them.

Do you take trade ins?

Yes, we take trade ins of any make, model and year, even of they don't run! If you owe money on your trade, please be sure to bring your finance information with you including account number, phone number, and name of bank or finance company.

What makes you different from the other car dealers advertising for people with credit problems?

Many things make us different, but here is a short list...

• We are the "Car Credit Specialists." This is all we do.
• The Burns Family has been in business since 1923!
• 4 locations to choose from
• Exclusive 12 Month/12K Burns Auto Credit Warranty
• Professional, experienced, highly trained staff
• Some of the best vehicles you will find!
• We match the car, the payments and the term of the loan to your individual situation
• We are in this for the long haul. We will always be here when you need us.

This is only a short list. Call or stop in to see for yourself!

Get Your Quick Approval!