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.
The short answer? There is no difference. Many dealers use these three terms interchangeably. Unfortunately, this is the part that has created so many BHPH myths. Many dealers place these signs in their lot in hopes to attract customers with credit challenges with no intentions of ever offering a true BHPH experience. Instead, they exploit these interchangeable terms in hopes of getting a credit application and having a bank offer credit as opposed to offering the credit themselves. At this point, it’s possible to have sent your credit application to ten different lenders which pulled your credit ten different times. For those with bad credit, this rarely ever works and often puts customers in even worse situations. If you’ve had credit challenges and need a car, a true BHPH experience may be right for you, which is exactly what we offer here at AutoMax.
Registered Dietitian Nutritionists (RDNs) have met academic and professional requirements established by the Commission on Dietetic Registration, the Academy’s credentialing agency. This includes earning a bachelor's degree from a regionally accredited college or university and completing an accredited, pre-professional experience program. RDNs must also pass a rigorous national level examination and complete continuing education requirements to maintain their credential. Some RDNs hold advanced degrees and additional certifications in specialized areas of practice.
Everybody who uses the Facebook-app agrees that his/her entire phone book is uploaded to Facebook. This means that even if you're not using Google, not using WhatsApp and don't have a Facebook-account, your name, phone number, birthday and likely your address is already in Facebook's databases as soon as one of your colleagues uses that app - and this WITHOUT even asking you if you agree with Facebook having your data - thank your friends for uploading your data without asking you first. If there are more than two or three of your friends who use the Facebook-app, Facebook is already able to profile you pretty good according to your friends, their friends and all their preferences - without asking you for any agreement for this profiling. Comparing to that, I prefer Google's style of data-collecting since they show you very transparent that and what data they are collecting - and you still can opt out (or even have to opt in in first place) from everything. The true "privacy-enemy" are Facebook and similar, not Google...
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.