What is Buy Here, Pay Here Financing?

Get Pre-Approved

View Nissan Lease Deals

Shopping for finance deals for your next new car? Here at Nissan of Mobile, we want to help you explore Buy Here, Pay Here (BHPH) financing and other avenues for Saraland, Prichard, and Mobile shoppers to get behind the wheel.

In this article, we’ll delve into what BHPH loans are, the pros and cons, and traditional means of financing via third-party lenders. Explore your options and learn what makes the most sense to you as you shop for your next car!

Buy Here Pay Here

What Is Buy Here, Pay Here?

Buy Here, Pay Here loans may be different from what you expect when applying for an auto loan. What makes it unique? When you choose BHPH financing, you’ll finance your loan directly through the dealer rather than a third-party lender.

Rather than shopping for lenders on your own time or through the dealer, you can have financing handled the moment you pick your next car. It’s a streamlined approach that appeals to many, but it does have its pros and cons.

We’ll delve into the advantages and disadvantages of BHPH finance next-keep reading to learn more!

BHPH Loans: The Pros & Cons

Buy Here, Pay Here loans often hold allure for shoppers with little to no credit history or less-than-perfect credit. Why? It’s simple: BHPH loans don’t require a hard pull of your credit report. The dealer makes a loan without checking your credit history.

Some shoppers also find it convenient to streamline loans through the dealer for speed; however, connecting you with a third-party lender is often just as fast.

Also, when you choose BHPH loans, you may be limiting yourself when it comes to car selection. Dealers often restrict their inventory for those with BHPH finance deals to hedge against uncertainty. Remember, they don’t check your credit score.

For the same reason, you’ll likely have higher interest rates with BHPH. Over the course of the loan, you may pay more interest than you would with a conventional loan.

Do We Have BHPH Finance?

Our dealership is not a Buy Here, Pay Here dealer. Every shopper must decide whether BHPH financing makes sense to them. However, we often recommend they apply for more conventional financing. It can save you on interest and open new horizons.

Sit down with our finance wizards to learn more about our latest specials and deals. We will take the time to learn about you and what you need from your payment plan. You’ll have an attentive team working closely with you as well as convenient online tools:

  • Online Finance Application: This allows you to kickstart the approval process right from your home. All you need to do is fill out and submit your information to get pre-approved. Then, our team will review your application and meet with you one on one to discuss your options.
  • Trade-In Calculator: Perfect for those looking to trade in their current vehicle and save on a new car, this tool can help you find out how much your car is worth. Overall, it gives you a better idea of how much you can save on your next vehicle when you trade in your automobile.

Apply for Financing Today

We hope you found this guide to Buy Here, Pay Here financing helpful! If you’re ready to take the traditional path to car ownership, we at Nissan of Mobile are here to help.

For more information about how we can help you get approved for a car loan, contact us or visit our finance center near Mobile, Prichard, and Saraland today!

Contact Us

Have a question? We’ve got the answer!

* = Required Field

Sales

(888) 905-1591

Monday – Friday8:30AM – 8:00PM
Saturday9:00AM – 7:00PM
SundayClosed

Schedule Service

(251) 544-4053

Monday – Friday7:00AM – 6:00PM
Saturday8:00AM – 4:00PM
SundayClosed

Mobile Collision Center

3025 Government Blvd.,
Mobile, AL 36606

(251) 470-9773

Monday – Friday7:30AM – 5:30PM
Saturday – SundayClosed

View Nissan Lease Deals

2020 Altima Sedan

Offer 1 of 1
$229/month Lease Offer

2020 Nissan Altima Sedan Xtronic CVT 2.5 S FWD (13110)

$229/month for 36 months with $1,949 due at signing. 2020 Altima 2.5 S with Splash & Mats Lease 36 Months - $229/Month - $1,949 initial payment. Excludes taxes, title, and license. For well-qualified current Nissan Motor Acceptance Corporation lessees who meet eligibility requirements.
Expires May 4, 2020

Show Details

2020 Armada

Offer 1 of 1
$671/month Lease Offer

2020 Nissan Armada 5.6L V8 SV RWD (26110)

$671/month for 36 months with $671 due at signing. 2020 Armada SV 4x2 with Driver Package and Floor Mats Lease 36 Months - $671/Month - $671 initial payment. Excludes taxes, title, and license. For well-qualified current Nissan Motor Acceptance Corporation lessees who meet eligibility requirements.
Expires May 4, 2020

Show Details

2019 Frontier Crew Cab

Offer 1 of 1
$219/month Lease Offer

2019 Nissan Frontier Crew Cab 4.0L Automatic SV 4WD (32219)

$219/month for 36 months with $2,279 due at signing. 2019 Frontier SV 4x4 AT SWB with Midnight Edition, Value Truck Package and Floor Mats Lease 36 Months - $219/Month - $2,279 initial payment. Excludes taxes, title, and license. For well-qualified current Nissan Motor Acceptance Corporation lessees who meet eligibility requirements.
Expires May 4, 2020

Show Details

2020 Kicks

Offer 1 of 1
$295/month Lease Offer

2020 Nissan Kicks SV FWD (21110)

$295/month for 36 months with $1,829 due at signing. 2020 Kicks SV FWD w/ Splash Guards, Carpeted Floor Mats, and 2-Tone Roof Lease 36 Months - $295/Month - $1,829 initial payment. Excludes taxes, title, and license. For well-qualified current Nissan Motor Acceptance Corporation lessees who meet eligibility requirements.
Expires May 4, 2020

Show Details

2019 Kicks

Offer 1 of 1
$265/month Lease Offer

2019 Nissan Kicks SV FWD (21119)

$265/month for 36 months with $1,679 due at signing. 2019 Kicks SV FWD w/ Splash Guards, Mats and 2-Tone Roof Lease 36 Months - $265/Month - $1,829 initial payment. Excludes taxes, title, and license. For well-qualified current Nissan Motor Acceptance Corporation lessees who meet eligibility requirements.
Expires May 4, 2020

Show Details

2020 Leaf

Offer 1 of 1
$269/month Lease Offer

2020 Nissan Leaf S FWD (17010)

$269/month for 36 months with $3,449 due at signing. 2020 LEAF S Lease 36 Months - $269/Month - $3,449 initial payment.
Expires May 4, 2020

Show Details

2019 Leaf

Offer 1 of 1
$264/month Lease Offer

2019 Nissan Leaf S FWD (17019)

$264/month for 36 months with $2,929 due at signing. 2019 LEAF S Lease 36 Months - $264/Month - $2,929 initial payment.
Expires May 4, 2020

Show Details

2020 Maxima

Offer 1 of 1
$319/month Lease Offer

2020 Nissan Maxima 3.5 Xtronic CVT S FWD (16010)

$319/month for 36 months with $3,749 due at signing. 2020 Maxima S with Splash and Mats Lease 36 Months - $319/Month - $3,749 initial payment. Excludes taxes, title, and license. For well-qualified current Nissan Motor Acceptance Corporation lessees who meet eligibility requirements.
Expires May 4, 2020

Show Details

2020 Murano

Offer 1 of 1
$239/month Lease Offer

2020 Nissan Murano Xtronic CVT S FWD (23110)

$239/month for 36 months with $4,429 due at signing. 2020 Murano S FWD with Splash Guards, Floor Mats and Cargo Mat Lease 36 Months - $239/Month - $4,429 initial payment. Excludes taxes, title, and license. For well-qualified current Nissan Motor Acceptance Corporation lessees who meet eligibility requirements
Expires May 4, 2020

Show Details

2020 Pathfinder

Offer 1 of 1
$289/month Lease Offer

2020 Nissan Pathfinder 3.5L Xtronic CVT S 4WD (25010)

$289/month for 36 months with $3,589 due at signing. 2020 Pathfinder S. Lease 36 Months - $289/Month - $3,589 initial payment. Excludes taxes, title, and license. For well-qualified current Nissan Motor Acceptance Corporation lessees who meet eligibility requirements.
Expires May 4, 2020

Show Details

2020 Rogue

Offer 1 of 1
$229/month Lease Offer

2020 Nissan Rogue 2.5L I4 S AWD (22010)

$229/month for 36 months with $3,939 due at signing. 2020 Rogue S AWD with Splash Guards, Floor Mats Lease 36 Months - $229/Month - $3,939 initial payment. Excludes taxes, title, and license. For well-qualified current Nissan Motor Acceptance Corporation lessees who meet eligibility requirements
Expires May 4, 2020

Show Details

2020 Rogue Sport

Offer 1 of 1
$219/month Lease Offer

2020 Nissan Rogue Sport 2.0L I4 S AWD (27010)

$219/month for 36 months with $4,149 due at signing. 2020 Rogue Sport S AWD with S Appearance Package, Splash Guards, and Floor Mats Lease 36 Months - $219/Month - $4,149 initial payment. Excludes taxes, title, and license. For well-qualified current Nissan Motor Acceptance Corporation lessees who meet eligibility requirements.
Expires May 4, 2020

Show Details

2019 Sentra

Offer 1 of 1
$129/month Lease Offer

2019 Nissan Sentra Xtronic CVT SV FWD (12619)

$129/month for 36 months with $3,309 due at signing. 2019 Sentra SV Splash & Mats Lease 36 Months - $129/Month - $3,309 initial payment. Excludes taxes, title, and license. For well-qualified current Nissan Motor Acceptance Corporation lessees who meet eligibility requirements
Expires May 4, 2020

Show Details

2020 Titan Crew Cab

Offer 1 of 1
$379/month Lease Offer

2020 Nissan Titan Crew Cab S 4WD (38010)

$379/month for 36 months with $3,599 due at signing. 2020 Titan S CC 4x4 with Splash and Mats. Lease 36 Months - $379/Month - $3,599 initial payment. Excludes taxes, title, and license. For well-qualified current Nissan Motor Acceptance Corporation lessees who meet eligibility requirements
Expires May 4, 2020

Show Details