Buy Here Pay Here Financing - Alternative Auto Financing for Challenged Credit

At Best Buy Imports, we believe that every driver in the Philadelphia area deserves to get into the car they want and need, regardless of their financial situation. That’s why we offer Buy Here Pay Here financing.


Buy Here Pay Here Financing Available in Philadelphia

We understand how easy it is to find yourself in difficult financial situations due to unforeseen circumstances or situations beyond your control. Maybe you’re dealing with divorce or foreclosure or have just been having a hard time stretching your paycheck from week to week. If that’s the case, you’re not alone. About a third of the US population has less than perfect credit, and millions have no credit history at all. Whatever the reason for having a poor credit rating, it can be extremely challenging to find a car loan.

At Best Buy Imports, you don’t have to worry about the embarrassment of being turned down for a loan, or the frustration of walking away from a dealership empty handed, without knowing how you’ll secure your next vehicle. Best of all, Best Buy Imports offers the best selection of used vehicles in Philadelphia and the surrounding region, so you can select from our wide inventory of both domestic and foreign cars, trucks, and SUVs. You can come to us for your next vehicle and find the car of your dreams while working with our financial team to get a loan that works for you, without your credit history haunting you.


What Is Buy Here Pay Here Financing?

At Buy Here Pay Here (BHPH) dealerships like Best Buy Imports, the vehicle financing process is simplified because the dealership is also financing your car loan. Instead of working with a third-party lender, such as an outside bank or credit union, everything happens in one place, hence the phrase Buy Here Pay Here!

Because the dealership and buyer work together through the whole process, BHPH comes with significant advantages, particularly for buyers who have poor credit or are in a tight spot financially. Some of the reasons BHPH might work for you include:

  • The dealership will work with your budget: Because the dealership has a vested interest in buyers being able to make their payments, the sales team will work closely with you to make sure that the car you buy fits your budget and payment ability.
  • Payment plans that fit your life: Usually, you can work with the dealership to pay when it works best for you, such as on the day you get paid. Sometimes, dealers will offer bi-weekly payments instead of monthly payments, which can help you keep on track.
  • High risks are no problem: Even when other lenders might turn you down for a loan because you look like a high risk on paper, BHPH dealerships are willing to take a risk on you. Because BHPH dealers are in the business of selling cars, they know that, should a repossession occur, they are capable of selling the vehicle and recouping all or most of their loss.

Why Buy Your Next Car at Best Buy Imports?

The vehicle you need, at the price you can afford: We’re committed to making sure that you leave Best Buy Imports with the right vehicle for you. That means finding you an option that fits your lifestyle, while also staying within your budget. Our expert team of auto finance specialists are skilled at matching you with the best options for your unique needs, understanding your financial situation, and ensuring that you leave feeling like your new vehicle represents freedom and not a financial burden.

Buy Here Pay Here… for real: Unlike other Buy Here Pay Here dealerships that use an outside lender, we offer TRUE Buy Here Pay Here in-house financing. You will always make your monthly payments to our dealership. We work hard to earn and keep your trust, so you can be confident you’re making the right financial decision by purchasing a car with us.

Excellence in service and selection: At Best Buy Imports, we have over a decade of experience serving the Philly region. We have skilled salespeople and finance experts who love helping our customers with every step of the car buying process. With two convenient locations on Frankford Ave in Philadelphia, convenient to I-95 and the surrounding area, we’re easy to get to.


Ready to Buy a Used Car from Best Buy Imports?

Take the first step by looking through our extensive inventory of late-model pre-owned cars, trucks, and SUVs. When you find the vehicle you’ve been looking for, give us a call or stop by one of our two locations. You’ll be able to test-drive the vehicle you’re interested in, and with guaranteed credit approval and an auto financing process that is simple and straightforward, we’ll have you on the road in no time.

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