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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.