Complete our short program application, and let us know the best time for you to visit one of our six Lee Credit Express locations. Our credit specialists will thoroughly review your options. Whether the best option is traditional auto financing or a buy here pay here financing package, Lee will work diligently to get you approved and sell you the car you need. 
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.
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In addition to selling a full line of used cars, trucks, motorcycles and ATVs, Lee Credit Now is also a 'Buy Here Pay Here' dealer. That means we are able to provide financing to customers with bad credit who can't get financing through traditional lenders. Customers buy the car from us and make regular payments, and that activity is reported to the credit bureau. To start, just apply online and our professional sales staff will do the rest.

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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