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The BHPH model focuses on "in-house financing," where approval is typically based on income and residency rather than a high credit score.
: Dealers often require just a New Jersey driver's license, proof of income (pay stubs), and proof of address. buy here pay here auto dealers nj
Buy Here Pay Here Auto Dealerships in New Jersey "Buy Here Pay Here" (BHPH) auto dealerships in New Jersey serve as a unique, often controversial segment of the automotive market, catering primarily to "deep subprime" consumers who cannot secure traditional financing. Unlike traditional dealers who use third-party banks, BHPH dealers act as the lender, seller, and payment collector. The Business Model The BHPH model focuses on "in-house financing," where
New Jersey maintains specific licensing and consumer protection requirements for these businesses. proof of income (pay stubs)