Home / Bad Credit / Buy Here Pay Here – Pennsylvania (PA)


Most banks and finance companies decline applicants for having low credit scores. Buy here pay here dealers almost never do. It’s possible to identify such dealers through their advertising and marketing language:

  • Tote the Note
  • Your Job is Your Credit
  • We Finance Everyone

Remember, though, these types of dealerships are not without their disadvantages, which include inflated APRs, large down payments, only used cars and trucks, and a history of underhanded practices.

In order to get a more affordable interest rate, coupled with a chance to rebuild your credit, elect to work with a dealership in Pennsylvania that isn’t BHPH, but still accepts customers with bad credit–there are plenty!A cheaper interest rate could, keep in mind, result in hundreds of dollars saved. It’s possible to finance most of the vehicles listed below, in spite of credit problems. Once you find one that suits you, get in touch with the dealer via the form provided, asking for additional information.

PA BHPH Resources

If you would like to peruse a directory of car lots in the state, head over to PA Buy Here Pay Here (website). For cheap cars in the state, go here. For an overview of BHPH abuses to try and avoid, read this article from the Center for Responsible Lending. It is important to go into any such purchase with your eyes wide open.

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