What is In House Financing?

Are you struggling with bad credit or no credit? Traditional car financing from banks or credit unions might seem out of reach, but don’t worry—in-house financing could be your solution. At CarHop, we specialize in Buy Here Pay Here (BHPH) financing, making it easier for you to get the car you need with flexible payment options.

What is In-House Financing?

In-house financing means that the dealership provides the financing directly to you, rather than relying on outside banks or lenders. This type of financing is perfect for people who have poor credit, no credit, or a history of bankruptcy. With Buy Here Pay Here financing, we work with you directly to create a plan that fits your budget, regardless of your credit history.

Why Choose In-House Financing at CarHop?

1. Easier Approval, Even with Bad Credit Banks and traditional lenders often require a high credit score, but at CarHop, we understand that life happens. We approve bad credit car financing and offer financing options even if you’ve been turned down elsewhere. We focus on your current situation, not just your credit history.
2. Flexible Payment Options One of the best features of in-house financing is the flexibility it offers. At CarHop, we tailor your car payments to fit your budget. Whether you need to pay weekly or monthly, we work with you to make it affordable.
3. Help Rebuild Your Credit With Buy Here Pay Here financing, you can help rebuild your credit. By making your payments on time, you can see an improvement in your credit score. This can open doors to better financing options in the future. While CarHop does not claim to improve everyones credit, we do report your payments to 3 credit bereaus. Meaning, you get the credit that you deserve.
4. Quick and Simple Process Applying for in-house financing at CarHop is quick and easy. There are no long wait times or complicated paperwork. Simply fill out an application, find out if you’re approved, and choose your vehicle.* It’s that simple!

How Does In-House Financing Work?

1. Apply for Financing The first step is to apply for in-house financing either online or at one of our CarHop locations. We welcome all credit situations—good, bad, or no credit at all.
2. Choose Your Vehicle Once approved, you can explore our wide range of pre-owned vehicles that fit both your budget and your needs. At CarHop, we have a variety of quality cars to choose from.
3. Set Up Your Payment Plan After selecting your vehicle, we’ll work with you to create a customized car financing payment plan that fits your income.
4. Make Payments Directly to CarHop Your payments will be made directly to CarHop. We offer Buy Here Pay Here financing, which means you deal directly with us, and we make the entire process easy and convenient.

Why Choose CarHop’s In-House Financing?

At CarHop, we’re proud to offer Buy Here Pay Here financing for customers with all types of credit. We make the car-buying process simple, transparent, and accessible to everyone. Our goal is to help you get into a reliable vehicle with affordable car payments that work for you, no matter your credit history.

Ready to drive away in the car you deserve?

Apply for in-house financing with CarHop today and get the freedom of a Buy Here Pay Here loan that fits your life.

*With approved credit. In-store verification of finance approval status is required for vehicle purchase and down payment may apply.