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Martin Brinkmann (ghacks.net)

Several local dealerships offer these specialized financing programs: Bad Credit Auto Loans | BHPH Financing at Wheel City

"Buy Here Pay Here" (BHPH) dealerships in Sioux Falls provide in-house financing, meaning they act as both the seller and the lender. This model allows individuals with bad credit or no credit history to secure a vehicle by focusing on income and residency rather than credit scores.