Buy-Here Pay-Here Dealership Information

one man showing another man a tablet in a car

At U.S. Auto Sales, we offer in-house financing, more commonly known as Buy Here, Pay Here (BHPH). We know that not everyone has worked with a BHPH dealership in the past, and you might be a little confused about what we offer. This page should help answer your most common questions about BHPH, but you can always reach out to a team member if you need more information.


View our Inventory

What are Buy Here Pay Here dealerships?

Buy Here, Pay Here dealerships are automotive dealerships that handle financing in-house. In a traditional indirect financing dealership model, your loan for a vehicle is supplied through a third-party lender. At U.S. Auto Sales, we service your loan through its maturity, so there is no pass-off to a third part. We’re basically a one-stop shop for pre-owned vehicles and financing. Our process is simple and efficient.

Should you choose a Buy Here, Pay Here dealership lik U.S. Auto Sales?

As a BHPH dealership, we have a competitive advantage over traditional lenders when it comes to helping and servicing our customers. Because we service the loans we provide, we are able to help those that may not be able to be helped in traditional indirect financing situations. That’s how we are able to assist customers with challenged or even no credit. 

What are the benefits of the BHPH dealership model?

With BHPH, you get several benefits and perks that you won’t find at other dealerships. You’ll find even more at a U.S. Auto Sales dealership. Here are just a few of the benefits. 

· Get pre-qualified for financing and know your budget before you find a vehicle. 

· Get pre-qualified for financing with challenged or no credit. 

· Work with experts who can answer all of your financing questions. 

· Find financing and a vehicle in one place. 

· Choose from a large selection of used vehicle makes and models. 


A woman with a laptop smiling

How can you find a Buy Here, Pay Here dealership in your area?

U.S. Auto Sales has locations in Georgia, Florida, North Carolina, South Carolina, Tennessee, and Alabama. If you’re trying to find a pre-owned vehicle, BHPH dealership in your area, you can use our locations page to view a list of all of our locations.  From the drop-down menu, you can also choose a specific state from the aforementioned list. Click on any location to view its address and hours and get directions.