Buy Here: Pay Here Apr

For more specific data, you can check the Experian State of the Automotive Finance Market or compare local rates through LendingTree's auto loan guides .

While BHPH dealers may not do a hard credit check, they cater to "Deep Subprime" borrowers (scores 300–500), where double-digit rates are standard. buy here pay here apr

High APRs can lead to "negative equity," where you owe thousands more than the car is worth as it depreciates. For more specific data, you can check the