Because the dealer provides in-house financing, Sarah didn't have to wait for bank approvals. She signed the paperwork and made her payments directly to the dealer, often weekly or bi-weekly, sometimes right at the same Brooklyn location.

In many cases, customers like Sarah can drive home on the same day they visit, often within an hour of starting the process. Key Things to Know

In Brooklyn, where getting around is essential but credit hurdles are common, "Buy Here Pay Here" (BHPH) dealerships offer a fast, local pathway to car ownership. Unlike traditional dealerships that send your application to banks, these BHPH lots act as the lender, financing the car directly to you.