: Approvals are primarily based on your ability to pay (demonstrated through proof of income and residence ) rather than credit scores.
: You make payments directly to the dealer, often on a weekly or bi-weekly schedule to match your pay cycle.
: In "zero down" scenarios, the dealer finances 100% of the vehicle cost, including taxes and fees, which increases the total amount of interest you will pay over time. 2. Advantages and Disadvantages
: Unlike traditional dealerships that use third-party lenders (banks/credit unions), BHPH dealers act as the lender themselves.