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: Approval is often based on proof of income, residency, and job stability rather than a traditional credit score.

: The dealership underwrites and approves the loan themselves, meaning they make the final decision on your creditworthiness.

(BHPH) is a specialized segment of the used car market where the dealership acts as both the seller and the lender. Unlike traditional dealerships that work with external banks, BHPH lots provide "in-house financing," essentially lending their own capital to buyers. How It Works