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.
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The College Scorecard was born of an Education Department effort to hold underperforming institutions accountable. But it would be a stretch, Katzman said, to credit Google for promoting accountability by surfacing the Scorecard data. For-profit colleges with underwhelming graduation rates and student-debt levels have been “some of Google’s largest advertisers” over the years, he said. “If Google really wanted to help solve the problem, they might limit advertising to the schools that had a better performance on the report card.”


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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