In-House Financing: The Top Four Perks and Benefits

2021 Nissan Versa in a city

Many people shop for a car without considering all of their financing options. Shopping at a dealership with in-house financing can provide a completely unique, streamlined buying process not found elsewhere. There are several reasons to consider in-house financing for your next vehicle, and we’ve highlighted the top four reasons to choose in-house financing below.

If you’re unfamiliar with in-house financing, also known as BHPH (Buy Here, Pay Here), it is a system where the dealership provides financing rather than using a third-party lender or a bank. It is less common than traditional car financing, but there are plenty of reasons to seek it out. You can find in-house financing here at US Auto Sales.

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Top four reasons to choose in-house financing

1. Customer service

In-house financing dealership employees are working with you every step of the way through the car-buying process. Their experience with all sides of the business means that they are better equipped to answer your questions and help you with any concerns that may arise. You can work with the same person for longer and establish a more personal relationship.

2. Better options for all credit levels

No credit or low credit can keep many people from applying for vehicle financing. At in-house financing dealerships like US Auto Sales, the dealership can work with you to ensure that you find financing that works for you, no matter your situation. Unlike banks and lenders, dealerships are less likely to set a credit minimum.

3. Smart financing

With traditional car financing, you find a vehicle and then apply for financing. This system doesn’t make a lot of sense, because the average car buyer won’t know the exact amount of money they can borrow until they apply, and they may set their expectorations unrealistically high. Knowing your budget before you choose a vehicle is what we call smart financing, and it’s what you’ll get at BHPH dealerships.

4. More options

In-house financing dealerships can offer greater flexibility when it comes to financing your next vehicle. They can work with you personally to make sure you’ve considered all of your options. They offer greater flexibility in terms of down payments, monthly payments, and just about everything else, so you’ll never feel like your options are limited.

2021 Nissan Versa rear view