Buy Here Pay Here (BHPH) is a type of car financing where the dealership acts as the lender, offering in-house financing directly to the customer. This means you can get approved even with bad credit or no credit at all—no banks, no third parties, and no long approval process.

At a Buy Here Pay Here dealership, approvals are quick, simple, and based on your income, not your credit score. This makes it one of the easiest ways to finance a used car, especially for customers who’ve had trouble getting approved elsewhere.

Yes, absolutely! Buy Here Pay Here (BHPH) financing offers several advantages—especially for customers who need a second chance or want a faster, more flexible way to buy a used car.

Immediate In-House Loan Support:

No need to deal with banks or outside lenders. You’re financing directly with us, and our team is just a phone call away whenever you have a question or need help.

Low Down Payments:

Our Buy Here Pay Here program is designed to work with your budget. We ask for the lowest possible down payment based on the vehicle, and we’re always willing to work with you to make it happen.

Flexible Terms:

We customize your loan to fit your financial situation. That means flexible terms and affordable payment plans that make it easier for you to succeed.

Affordable Monthly Payments:

We structure payments that are realistic and manageable, so you can drive with confidence and stay on track.

Your Credit History Doesn’t Matter:

Bad credit? No credit? It doesn’t matter. Our Buy Here Pay Here program is built to get everyone approved, regardless of their past credit.

Helps Rebuild Your Credit:

We know your credit matters. That’s why we report your on-time payments to the credit bureaus—helping you rebuild your credit as you drive.

At EZ AUTO, Buy Here Pay Here approvals are immediate. Our approval process is fast, simple, and stress-free—you don’t need good credit, and there’s no waiting on a bank. In most cases, your down payment is all it takes to get approved for the vehicle you want.

Choose Your Vehicle, Get Approved Instantly

Our team will show you our available used car inventory. Once you pick a vehicle, we’ll build a customized financing structure on the spot, letting you know your exact down payment and monthly payment within minutes.

No Waiting, No Banks

You don’t have to wait for bank approvals or fill out complicated paperwork. Because we finance in-house, we can give you a decision immediately—usually within 10-minutes.

Flexible Terms That Fit Your Budget

Whether you’re looking for a 2-year, 3-year, or even 4-year term, our team will make sure your payments are tailored to your budget. You can also choose to pay bi-weekly or monthly—whatever works best for you.

Instant Approval. Flexible Terms. No Credit Needed.

Stop worrying about your credit history. If you’re ready to drive, we’re ready to approve you today. Come see why EZ AUTO is one of the most trusted Buy Here Pay Here dealerships in Florida.

The down payment for Buy Here Pay Here financing depends on the specific vehicle you choose. Each car may require a slightly different amount based on its price and condition.

To see estimated down payments, visit our Inventory Page—you’ll find each vehicle clearly labeled with its minimum down payment requirement.

What’s the Minimum Down Payment?

At EZ AUTO, most customers will need at least $1,000 down to get approved. In some cases, we may offer flexible options or deferred down payments to help you get into the vehicle you need.

Need Help With the Down Payment?

We’re here to work with you. Our goal is to help you drive away in a reliable used car, and we’ll do our best to structure a plan that fits your situation.