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At a BHPH dealership, the process is usually reversed. Of course, you should not use too many cards or loans or pay back the loans or cards with low payments because the interest will add up over time. Buy-here-pay-here financing is best avoided if possible. Make sure to know what interest rates other companies are willing to give you before choosing one lender, even if that lender swears that you won’t find a better interest rate. The last tip for fixing bad credit after bankruptcy. When you refinance your loan, you pay the remaining balance in one lump sum, and, if your contract includes pre-payment penalties, you’ll have to pay that amount in addition to your principal balance. The first step when looking for car finance is to contact a credit agency to see whether or not your credit report is completely error free. The account can be opened with a cashiers check. If your credit score is on the lower end of the scale or if you've had trouble getting an auto loan, a BHPH dealership should be one of the places you visit during a car search. When payments regularly go in through.