: Financing decisions are made on-site, often leading to same-day approvals.

: You make payments directly to the dealership. Unlike monthly bank payments, these are frequently scheduled weekly or bi-weekly to align with your paychecks.

In a BHPH arrangement, the dealership acts as both the seller and the lender. Instead of checking your credit score as the primary approval factor, local dealers typically prioritize your , verified through income and residency.