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.
Understand - nearly every website you go to, has dozens of trackers installed. It doesn't matter whether you're tracked via search, by the page you go to, by the app on your smartphone, by Facebook, your debit and credit cards, or any of the rest. Right now - you've got literally hundreds of different trackers that are cataloging your every move that they're aware of.

I've read quite a lot about privacy, thank you. There are well documented and serious issues regarding privacy at Google. They're great compared to some other companies who have suffered serious data breaches -- Yahoo, LinkedIn, the list is really endless -- and I do have faith that our data is safe from that mode of attack. Unless an internal employee goes rogue, our search data will remain safe from external threat.


Despite being one of the fastest growing segments in the auto sales industry, there is no official definition for “Buy Here Pay Here”, or “BHPH”, which often leaves it to be misunderstood. To put it simply, BHPH is when a car loan is obtained directly from the dealer and not a 3rd party, such as a bank or finance company. The payments are made directly to the dealer which has coined the term “in-house” financing.
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