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Buy here pay here contract 2025

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The document outlines new legislative requirements for Buy-Here-Pay-Here (BHPH) vehicle dealers in California, effective January 1, 2013. It defines BHPH dealers and specifies obligations such as providing written advisories on GPS devices, displaying reasonable market value labels on vehicles, issuing warranties covering key vehicle components, and prohibiting certain practices like requiring in-person payments. The memo serves as an overview of these regulations to ensure compliance among licensed vehicle dealers.

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

What happens if you stop paying on a buy here pay here car?

In many cases, BHPH dealerships have the right to repossess a vehicle on the same day a payment is missed. This is because their contracts often include provisions that allow for immediate repossession upon default.

Can a buy here pay here sue you?

Response 1: Yes, you can be sued if the car was sold for less than what you owed.

What are the cons of buy here pay here?

Cons. Costs are steeper: Because BHPH dealers typically work exclusively with bad- or no-credit buyers, they tend to charge higher rates than traditional auto lenders. Depending on the dealer, the highest interest rates can top 20%. Some dealerships also add a slew of fees, driving up your total costs.

What happens if you stop paying buy here pay here?

A BHPH repossession is similar to a repossession from any creditor. If payments are not made on vehicles purchased from BHPH dealerships, repossessions will happen.

What is a buy here pay here car contract?

A Buy-Here, Pay-Here (BHPH) contract is a type of retail installment contract issued by BHPH dealerships. These contracts are specifically designed for consumers with poor credit who are often denied traditional auto loans.

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How do I get out of a buy here pay here contract?

Can You Get Out of a Bhph Loan? If youre forced to take a BHPH loan, it can be difficult to get out of it. Aside from paying it off or selling the vehicle, one of the few other options is refinancing. Refinancing isnt always a guarantee, however, because some lenders wont even consider a BHPH vehicle for a loan.

Can I give back a buy here pay here car?

Some BHPH dealerships offer the option of voluntary surrender, where the debtor can willingly return the vehicle to the dealership if they are unable to make their payments. While voluntary surrender still negatively impacts the debtors credit score, it can be less damaging than a forcible repossession.