Let us paint a picture for you. Imagine you are grocery shopping, and you have a number of items in your basket. You have completed your shopping, and you head up to the cashier to pay for your items. The cashier scans the groceries, pleasantries are exchanged, but then she tells you that you need to go to a store down the street to pay for the items. You are bewildered. You found the items here, so why can’t you pay for them here? Why do you have to go through a middleman in order to complete the transaction? With many other dealerships, banks need to be involved to work out the financing situation, and payments would then be made to the bank. At Carizma Motors, a buy here pay here dealership in Lubbock TX, that is not the case.

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Buying a vehicle, no matter if it is new or used, is a huge decision and a major life event. A great deal of planning and research has gone into it before you even walk onto the dealership lot, so why should it continue to be made more complex once you have opted to make your purchase? It’s complicated enough, so we want to make it easier for you by cutting out the middleman. This also allows us to work with you if you have bad credit, or are just getting started and have no credit at all. Everyone has to start somewhere, right?
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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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