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What is Buy Here, Pay Here?

A Buy Here, Pay Here (BHPH) program is a vehicle financing arrangement offered by some car dealerships, primarily designed for individuals who may have difficulty obtaining traditional auto loans due to poor credit, limited credit history, or other financial challenges. In a Buy Here, Pay Here program, the dealership not only sells you a car but also provides the financing for that car directly.

Are you in search of a reliable way to purchase your next vehicle, even if your credit history isn't perfect?

Burns Chevrolet of Gaffney is excited to offer our Buy Here Pay Here program, designed to help you drive away in a dependable car, regardless of your credit score. At Burns Chevrolet, we believe that everyone deserves a chance to own a quality vehicle, and our Buy Here Pay Here program in Gaffney, SC is here to make it possible for you.

Why Choose Burns Chevrolet of Gaffney's Buy Here Pay Here Program?

1. Easy Financing: We offer flexible and convenient financing options to ensure that you can find a payment plan that suits your budget. Our dedicated finance team will work with you to design a payment plan that fits your financial needs.
2. Fast Approval: With our Buy Here Pay Here program, you can get fast approval. We aim to make the buying process as efficient as possible, allowing you to drive off our lot in your new vehicle sooner.
3. Wide Selection of Vehicles: As the area’s premier used car dealer, Burns Chevrolet of Gaffney offers a wide variety of quality vehicles, from dependable sedans to spacious SUVs and rugged trucks. Our inventory is carefully curated to provide you with numerous options to choose from.
4. Friendly and Knowledgeable Staff: Our team is committed to providing excellent customer service. We are here to guide you through the entire process, answer your questions, and help you find the perfect vehicle for your needs.
5. Build or Rebuild Your Credit: Making on-time payments on your vehicle loan can be an excellent way to improve or rebuild your credit. We report your payment history to major credit bureaus, so your responsible financial behavior doesn't go unnoticed.

Visit us at Burns Chevrolet of Gaffney today and explore our wide selection of vehicles and flexible financing options through our Buy Here Pay Here program. We're here to make your car-buying experience a pleasant one, no matter your financial history. We are committed to helping you find the right vehicle at the right price, and we'll work with you every step of the way. Contact us or stop by our dealership to learn more and get started on the path to your new vehicle.

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Frequently Asked Questions about Burns Chevrolet of Gaffney’s Buy Here, Pay Here Program:

1. How does the Buy Here Pay Here (BHPH) program work at your dealership?

When you have credit challenges, it can be difficult or impossible to receive a car loan through a conventional bank. That’s why we offer a Buy Here, Pay Here program at our Gaffney, SC store that allows you to both purchase a vehicle and secure financing directly through our dealership.

After you fill out our credit application, we look at your unique financial situation (namely, your job history and income) to determine your loan terms. Your loan terms will include your initial down payment, ongoing payment frequency, and interest rate. Then, we’ll look at available cars that would be the best fit for you.

Once you’ve selected your vehicle and completed the approval process, you’re able to get on the road in your new ride. After this point, all you need to do is make your payments on time via auto-draft, over the phone, or in-person at the dealership to complete the loan terms and rebuild your credit. Our program does allow you to pay off your loan early without any prepayment penalties.

2. Can I qualify for your Buy Here, Pay Here program if I have bad credit or no credit?

Yes. We understand that credit challenges can happen for a variety of reasons, and our BHPH program focuses on your employment and income as the primary approval criteria.

3. How is Burns Chevrolet of Gaffney’s Buy-Here, Pay Here program different from other car lots offering similar programs?

Burns Chevrolet stands out from the crowd of We’ve Got A Lot or Drive Time used car lots by being a locally-owned, reputable franchise dealership with decades of experience.

We take pride in our commitment to exceptional service, offering a fully Certified Service Department staffed with factory-trained technicians. Every vehicle in our inventory undergoes a rigorous inspection and repair process before it's made available for sale. Our Buy Here, Pay Here vehicles are backed by a warranty, providing you with added peace of mind. We go the extra mile by reporting your payment history to credit agencies every month.

At Burns Chevrolet, we're not here to hold you back or keep you in a challenging financial situation. Our goal is to empower you to rebuild your credit, establish your financial future, and foster a long-term, mutually beneficial relationship with us. Your journey to better credit and reliable transportation begins with Burns Chevrolet.

4. Do you require a down payment for your Buy Here, Pay Here program?

Yes, we typically require a down payment, but we work with you to make it as affordable as possible.

5. Are the interest rates high with your Buy Here, Pay Here program?

Our interest rate is competitive and accommodates the risk we take on when providing financing for customers with credit challenges. However, compared to traditional banks, our loans are accessible to everyone, regardless of credit history.

6. Can I trade in my current vehicle as part of your Buy Here, Pay Here program?

Yes, we accept trade-ins, and the value of your trade-in can be applied toward your down payment.

7. What happens if I miss a payment with your Buy Here, Pay Here program?

If you experience financial challenges, please communicate with us. We're here to help find solutions and prevent any unnecessary hardships.

8. Can I buy a car without a credit check?

While a credit check is part of the approval process, it is only one factor we consider when determining your loan terms.

9. Do you report payment history to credit bureaus through your Buy Here, Pay Here program?

Yes, we report your on-time payments to credit bureaus, which can be a positive factor in improving your credit score.

10. What kind of warranty options are available for vehicles through your Buy Here, Pay Here program?

We include a 3-month, 3,000 mile warranty on all of our vehicles to provide peace of mind. Our knowledgeable staff can explain the details of the coverage and answer any questions you may have.

At our dealership, we are committed to providing transparency, support, and flexibility through our Buy Here, Pay Here program. If you have more questions or concerns, please don't hesitate to reach out to our experienced team who will gladly assist you every step of the way. Your satisfaction and peace of mind are our top priorities.