Interest rates at these lots can be significantly higher than traditional loans, sometimes reaching 20% or more.

“I'm so happy they gave me the opportunity to build my credit and have a fresh start.” Byrider Bloomington IN Key Considerations

Used-car dealership with a selection of vehicles, including SUVs, and an online scheduling option. Wheels Auto Sales L.L.C.

The process at a BHPH lot typically focuses on your current ability to pay rather than your past credit score.

Used-car dealer offering a selection of vehicles, including 2020 models, and credit options. Used car dealer Closed2420 W 3rd St

Used car dealer featuring auto bodywork and mechanics' services, plus clean and friendly service. Perfect Auto LLC

Not all BHPH lots report on-time payments to credit bureaus. If your goal is to rebuild credit, confirm their reporting practices beforehand.

Some lots install GPS trackers or "starter interrupt" devices that can disable the car if a payment is missed. Perfect Auto LLC