Better Buy Here Pay Here Option

Do you need an auto loan? But having trouble with finding a dealership that is willing to help because of bad credit?

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Buy Here, Pay Here Car Lots

D-Patrick doesn't offer the traditional Buy Here Pay Here dealer experience, but we do understand you need a vehicle. Our Credit Medics are here to help revive or establish your credit. Also, it doesn't hurt to learn a few things about buy here, pay here, mostly why we don't offer it. 

While dealing with a Buy Here Pay car lot may be easier than working with a bad credit auto dealer. You make all loan arrangements and have the hassle of making payments on the purchase at the same dealership where you purchased the car.

But doing this can come with a cost. You can be classified as a 'high risk' borrower, and you may be paying higher-than average interest rates through a buy here pay here financing program.

Buy Here, Pay Here Financing

There are other issues too. You will have a limited amount of cars to select from with varying unknown vehicle conditions. The BHPH dealer will decide your eligibility and create a list of cars you qualify for..

On top of that, you will be expected to make a large down payment. Bad-credit borrowers can carry a certain amount of risk. To help balance out that risk, BHPH dealers would require a larger down payment than a traditional dealers might expect.

There's also a possibility of repossession. Of course, both BHPH and traditional auto lenders can repossess your car if you stop making payments. But a BHPH dealership may give you less leeway if you're struggling to keep up on payments. .

Buy Here, Pay Here Dealership

D-Patrick has been locally owned and operated for nearly a 100 years in Evansville, Boonville and Lebanon. Our special finance experts work with bad credit and no credit. We will even help you revive or establish a credit score. We'll take on any challenge you may have. Our process is fast and EASY!

  1. D-Patrick Ford

    1100 E Walnut St
    Evansville, IN 47714

    • Sales: (812) 625-4823
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Get in Touch

  • Contact our Sales Department at: (812) 562-5707
  • Monday8am-7pm
  • Tuesday8am-7pm
  • Wednesday8am-7pm
  • Thursday8am-7pm
  • Friday8am-7pm
  • Saturday8am-5pm
  • SundayClosed