The only difference here is the customer’s shopping experience. At a traditional dealership, the financial conversation is often the last part of your experience. After you've seen a few models, asked a host of car questions, and possibly test driven one, the dealer will help you explore payment options. At a BHPH dealership, the process is usually reversed. The dealer will ask you a series of questions, possibly run a credit report, and invest in understanding your credit history before showing you available cars. Finally, with your monthly payment range and down payment information factored, you will be shown cars that are right for you and your unique financial situation.
this kind of article is funny. its a trade your privacy for convenient life world now. if you really care of privacy, you have already exposed your ip address to this website, your name to your reader, your billing address to your isp, your personal informtion to your credit card company. google just know as much as they know and more. and if i have to trade my privacy anyway, whynot choose one big company which protect your privacy data better and give you better service? instead of chose some small company and trust they not save your info....forever?
"If you have something that you don't want anyone to know, maybe you shouldn't be doing it in the first place. If you really need that kind of privacy, the reality is that search engines—including Google—do retain this information for some time and it's important, for example, that we are all subject in the United States to the Patriot Act and it is possible that all that information could be made available to the authorities." Eric Schmidt.
For real I can't see alternative for Google. If you are smart enough you can use Google without giving them too much data about yourself. Just use incognito mode in chrome, change applications permissions at your phone, etc. Use it smart. Of course you can't hide all informations about yourself but you don't need to login as Adam Smith, use nickname, turn off GPS if it's not necessary.
Complete our short program application, and let us know the best time for you to visit one of our six Lee Credit Express locations. Our credit specialists will thoroughly review your options. Whether the best option is traditional auto financing or a buy here pay here financing package, Lee will work diligently to get you approved and sell you the car you need. 
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