Buying a new or used car usually involves paying cash, leasing, or taking out a loan to finance part or all of the vehicle purchase price. But, you can also choose to "buy here pay here" (BHPH) at a dealership that offers this payment alternative. Especially if you have very poor credit or no credit, a BHPH car dealership may be the right option for you.The BHPH dealership lends you the money to buy a car, so you don’t have to get an auto loan through a conventional lender. Your BHPH dealer can help you get a car you like, even if your credit is bad. But, there are some things you should know, before you go car shopping at a BHPH dealership.

Being prepared with the information you need when you go to the car dealership can make the process of buying your car easier and faster. Here are five important questions to ask your BHPH dealer before agreeing to buy a vehicle.

Buy here pay here near me

1. What items should I bring when I go to the dealership?Ask which documents you need to bring before you go car shopping at the dealership. Be sure that you have all documents with you, to greatly speed up the process of purchasing the car you want. The list of needed items may vary, depending on your specific credit situation and on the dealer’s policies. Generally, you’ll probably need the following documents in order to buy a car at a BHPH dealership:• Driver’s license• Social security number• Proof of employment and income (pay slips, with one less than 30 days)• Financial information (bank checking account, savings and credit cards)• Proof of residence (rental agreement or mortgage document)• Current utility bill (phone, electricity, gas or water)• Multi-reference list (with full contact information)• Car insurance test• Amount of advanceCall the dealer before your visit to ask exactly what documents are needed. The concessionaire’s representative will help you make sure you have everything you need.