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"Banks said no?" Lucky asked, not unkindly. He had seen a thousand versions of Elias walk through that door. "They won't even look at me," Elias admitted.

But the reality of a BHPH lot is a double-edged sword. Two weeks later, a radiator hose blew. Elias called Lucky, expecting a "sorry, as-is," but Lucky pointed him to a mechanic he kept on staff. "Can't have you missing work," Lucky said. "If the car stops running, you stop paying. I need you on the road". buy here pay here places

He stepped into the small, wood-paneled office. The air smelled of stale coffee and industrial cleaner. Behind a desk cluttered with folders stood "Lucky," a man whose smile didn't quite reach his eyes but whose handshake was firm. "Banks said no

Lucky nodded, pulling out a simple one-page application. "We don't care about the banks here. We are the bank. You buy here, you pay me here". But the reality of a BHPH lot is a double-edged sword