Buy Here Pay Here | Columbia, SC   

Buy Here Pay Here in Columbia, SC

For shoppers that have a challenging or no credit, qualifying for a car loan can be difficult. To allow those buyers to buy a vehicle, "buy here pay here" dealerships cater to customers of all credit backgrounds. Additionally, they work with potential customers directly to handle the sale of the vehicle and the financing to ensure that the process is as fast and hassle-free as possible. When you purchase a car at a BHPH dealership, you pay the dealership, or their affiliated finance agency, directly rather than going through a credit union or bank.  

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What is a Buy Here Pay Here Dealership?  

When you choose a Buy Here Pay Here (BHPH) dealership like ours, you will get a convenient option to buy and pay for your vehicle—but what exactly does that entail?  

You will typically need to engage with a bank or third-party lender to obtain an auto loan when buying a used car from a dealership. At our dealership, we extend credit to you directly, allowing us to sell and finance vehicles under one roof, eliminating the need for intermediaries.  

No matter your credit history or score, as a BHPH dealer, we are committed to helping you buy the vehicle of your dreams with a payment plan that suits you best.  

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Car Loan Application
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Things to Know When Buying from a BHPH Dealer Like Bluff Road Auto Sales  

You should be aware of various things when shopping at a buy here pay here dealership, even though it is handy and valuable for customers searching for an effortless way to acquire a car. There are specific things you should be aware of and stay away from.  


  • 1. Know the history and state of the car you are purchasing- You should be aware of the condition of the vehicle you are buying. Ensure to thoroughly inspect the car you are interested in and request the vehicle's history report. If the dealership is persistent about withholding the car history report, you can look up the vehicle's VIN (Vehicle Identification Number) to learn more about its previous owners. However, the refusal should be viewed as a warning sign in and of itself.  

  • 2. Avoid "Spot Delivery"- Spot delivery is a trick a dishonest dealership could employ to extract additional money from customers. This means that the dealer will let a buyer who is not yet approved for a loan drive a car off the lot before demanding additional funds or renegotiating the loan. Before leaving the dealership with a vehicle, always ensure you are fully eligible for your loan and keep your papers nearby. It will also be beneficial to bring a witness with you.  

  1. 3. Make sure that you understand the loan and that you can afford it- You must confirm that you fully understand the loan and have the means to repay it. Look for hidden fees that the dealer might not have disclosed by reading the fine print. You should research the available down payments and interest rates before signing to see how much you can afford to pay each month.   


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Get Qualified for a Car Loan at Bluff Road Auto Sales in Columbia, SC  

Are you ready to discover your next set of wheels and a car loan that fits your needs? We at Bluff Road Auto Sales are prepared to provide you with unmatched shopping and purchasing experience.  

Before you hit the streets of Columbia, SC, make an appointment with the finance experts at Bluff Road Auto Sales. We are eager to demonstrate how we, as a buy here pay here dealership, are revolutionizing the auto financing industry.  

Bad Credit? No Credit? No Problem! Have Questions? Contact Us!