San Antonio’s "Buy Here Pay Here" (BHPH) dealerships provide in-house financing, acting as both the seller and the lender. This model is designed for buyers who may not qualify for traditional bank loans due to poor credit, no credit history, or past repossessions.

Selection typically consists of reliable, older used vehicles with higher mileage to keep loan amounts manageable. 2. Requirements for Buyers

Payments are made directly to the dealership, often on a weekly or bi-weekly schedule to match your paydays.

Focuses on your ability to pay (income, job stability, and residency) rather than just a credit score.

Unlike traditional dealerships that send your application to external banks, BHPH lots approve you directly based on your income and stability.

To get approved at most San Antonio locations, you will typically need: