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Buy Here Pay Here in Phoenix, AZ


Buy Here Pay Here in Phoenix


We Offer Buy Here Pay Here (BHPH)!

Liberty Cars and Trucks has been offering Buy Here Pay Here financing in Phoenix for over 25 years! As a matter of fact, we have been the number one choice for many used car buyers and repeat customers because of our BHPH loans. Do you have bad credit? Poor credit? No credit? Your job IS your credit! Our in-house financing will help secure you a Buy Here Pay Here loan no matter the type of credit or history you have. We are here to earn your trust by answering some very common asked questions about Buy Here Pay Here loans.


What Does Buy Here Pay Here Mean?

Buy Here Pay Here or BHPH financing is an auto loan that is created by the dealership where the car is purchased versus a third party lender such as a bank. The car dealership therefore becomes the finance company where you make your vehicle payments to - “Buy Here, Pay Here”.


What Do I Need To Qualify For A Buy Here Pay Here Loan?

Most Buy Here Pay Here Dealerships require a steady proof of income; proof of employment and/or bank statements for 1099 contractor employment showing how much you make and how often. To help make the process faster contact Liberty Cars and Trucks in Phoenix and ask one of our friendly staff in financing for the details on the proper documents you need to bring with you.


Do I Need Perfect Credit To Qualify For a Buy Here Pay Here Loan?

Absolutely not! BHPH auto loans are perfect for people who have zero, low and/or bad credit! Unfortunately not everyone has perfect or even good credit but that shouldn’t mean you shouldn’t be able to purchase a vehicle. We understand that past due credit card, utility, and medical bills will significantly lower your credit score and that is why were are here to help you finance your auto loan.


Am I Limited On The Type Of Vehicle I Can Purchase With A BHPH?

We don’t have a special section of vehicles for Buy Here Pay Here loans. The car you buy is determined by the amount of income you make in one month. Most traditional dealerships will let you look and pick out a car before they start talking finances with you. In most cases that can be a waste a time for you and them unless you have done a little bit of research and know what you’re price range. Here at Liberty Cars and Trucks a friendly member from our financing department will go over the documents you provide of your income and let you know the amount you are qualified for.


Can I Still Purchase A Vehicle If I Have Recently Filed Bankruptcy?

Securing an auto loan after bankruptcy can seem difficult and at times hopeless. A chapter 7 bankruptcy will stay on your credit record for about 7-10 years making it difficult to secure an auto loan. A Buy Here Pay Here loan will be you best option after getting denied by banks and other financial institutions.


Do First Time Buyers Qualify For a Buy Here Pay Here Loan?

Yes! First time buyers will often find themselves being denied auto loans because they don’t have enough credit history therefore making them more high risk then someone who has a longer credit history. Don’t let the banks or other financial institutions discourage you from purchasing a vehicle you love! Stop by or call our friendly staff who would be more than happy to help get you in your first car!


Will I Need A Down Payment?

Each loan is different and will have certain requirements. The amount you are financed for and the purchase price of the vehicle will play into whether you will need any money down. Having a down payment will also work in your favor because it shows the dealership your are vested and serious about making your car payments.

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Benefits Of Buy Here Pay Here


Providing Transportation

Not everyone has perfect or good credit but that doesn’t mean that the necessity of having a good and reliable is non-exsistent. Just like everyone else, people with poor or no credit need vehicles. In order to earn a paycheck people need a reliable car or truck to get them to work. Theres also grocery shopping, doctors visits and other destinations where having a vehicle is considered a necessity. Without a Buy Here Pay Here dealer that offers in house financing owning a vehicle wouldnt be a reality for a majority of customers because of getting denied everywhere else.


Rebuilding Credit

In order to obtain credit or rebuild bad credit a person has to acquire some type of loan and when other financial institutions won’t approve them a loan it makes it difficult. A BHPH dealership who reports to the credit bureaus not only provides a reliable vehicle to its customer but also helps them get their credit established or build new credit. Making consistent payments on time or even early will get your credit growing and before you know it you will be ale to get approved for bigger loans with lower interest rates so its best to always keep that in mind.


Fast Service

At most traditional dealerships you know how dreadfully long the whole financing process can be. Going back and forth with the finance staff who then have to submit the information to the banks and then wait for a response is tiring.

Buy Here Pay Here dealerships have a faster turnaround time. The dealer allows you to get a loan immediately instead of having to wait for the banks response for your application.  

Despite whatever scary stories you may have heard regarding BHPH auto dealers, it is highly likely that the majority of what you heard was based on a misconception. Speaking with a reputable BHPH dealer like Liberty Cars and Trucks is the best way to determine if it is the right option for you.


If your credit is suffering from financial mistakes made in your past, look no further than our Buy Here Pay Here Financing Department. We work with people like you who have less than perfect credit or no credit at all to ensure that you get a fair deal on a vehicle that you want to drive at rates that are relatively fair. The best way to find out about interest rates and payment is to contact our Finance Department to discuss your options. In fact, you can pick up the phone and Call 602 331-3333 and one of our Service Managers can have you behind the wheel of a vehicle sooner than you think. Our auto and truck Finance Office professionals are friendly and willing to work within your budget to find you a vehicle that best suits your needs.

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