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In-house financing dealerships, commonly called "buy-here, pay-here" dealerships, offer financing directly to car buyers. Since these dealerships finance car purchases themselves, they don't have to get approval from a bank or other lender to grant your car loan. Buy-here, pay-here dealerships set their own loan approval requirements.

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In-house financing, also known as buy-here-pay-here (BHPH) financing, is a type of financing offered by car dealerships. Instead of relying on third-party lenders, the dealership provides financing directly to the customer. In-house financing is typically used for used cars, as new cars are usually financed through the manufacturer's.

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An in-house financing dealership is a car dealership that lets buyers finance their vehicle from the same place they make the purchase. This can make your car buying experience more.

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Used car lots with in-house financing put everything you need in one place, including sales and financing and even service. Because the dealership itself is lending you the money, the approval process is much faster and easier. You can budget more efficiently when you discuss insurance options and extended warranties at the same time that you.

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Choosing used car in-house financing gets you everything you need in one place. Because the dealership is lending to you directly, you'll experience an easier and faster approval process. Budgeting also becomes easier when you're able to discuss insurance options and extended warranties while you're applying for the loan.

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| Jan. 11, 2019, at 12:00 a.m. Where you finance your next car can save you money or cost you money. About 85 percent of new vehicles are paid for with an auto loan, and more than half of used.

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In-house financing dealerships sell cars and fund auto loans all in one place. Depending on your credit situation and needs, in-house financing can be a great option if you need a car fast.

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How in-house financing car lots work. In-house financing works by applying for your auto loan on site, through the dealership. Commonly referred to as "buy here, pay here" auto loans, this type of financing means that you'll buy the car and take out your loan from the same company. This kind of financing can be risky.

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