In House Auto Financing

Sometimes called a buy here pay here program, in house auto financing gives drivers with poor credit scores the opportunity to qualify for their much-needed car loans.  Traditionally, car dealers go through banks or other lending institutions to get the money loaned to a new-car buyer.  With in house auto financing,  the dealer itself loans its own money to the borrower.  That loan is usually structured similarly to bank loans, where installment payments are due at regular intervals.  But with in house auto financing, instead of sending checks to a bank, the borrower sends those payments back to the same lot where the car was purchased.  Because the dealer has so much invested in the borrower, it is not uncommon to find excellent automotive buys through in house auto financing programs.

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