Buy Here Pay Here by State

Buy Here Pay Here dealers offer in-house financing to buyers who cannot qualify for traditional loans. Laws governing interest rate caps, repossession procedures, title handling, and required disclosures vary significantly by state. Know your rights and the red flags before signing any BHPH contract.

Featured States

California Texas Florida New York Ohio

Find Your State

What Every Buy Here Pay Here State Page Covers

Interest rate cap under state retail installment sales law
Repossession notice rules and whether a cure period is required
How title and lien handling works while you are making payments
Required contract terms under state and federal law
Buyer protections, red flags, and better financing alternatives

Trusted by private vehicle sellers nationwide

45% faster sale

Vehicles whose listings include a history report spend ~45% less time on site before selling, and report-viewers are 5x more likely to become a lead.

Source: Experian / AutoCheck

$4,000 avg loss

NHTSA estimates 450,000+ vehicles per year are sold with rolled-back odometers — the average victim loses about $4,000 in downstream repair costs.

Source: NHTSA

17.5M private sales/yr

About 17.5 million private-party vehicle transactions happen in the U.S. each year — roughly 47% of the used market.

Source: Cox Automotive 2024

1 in 3 buyers

Roughly 1 in 3 used-car buyers say they suspect private sellers are hiding mechanical problems — documentation closes that trust gap.

Source: JW Surety Bonds (n=3,000)

$60–$85 mobile notary

Mobile notary visit minimums run $60–$85 — higher on weekends, plus per-mile travel fees. State-formatted documents skip the trip.

Source: Thumbtack / NNA