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Buy here, pay here (BHPH) dealerships in North Carolina offer in-house financing, meaning the dealer acts as the lender instead of a bank or credit union. This model is often a lifeline for those with poor or no credit, as approval typically depends more on proof of income and residency than a credit score. However, the trade-offs include higher interest rates (often topping 20%), more frequent payment schedules, and a limited selection of older used vehicles.

Car dealer offering pre-owned vehicles and financing options. TOP 10 BEST Buy Here Pay Here Car Lots in Winston-Salem, NC buy here pay here car lots in nc

Benchmark Auto Sales: Raleigh South - Buy-Here, Pay-Here Alternative Buy here, pay here (BHPH) dealerships in North