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 .
For context, the average used car APR for prime borrowers is around 9.4% , while deep subprime borrowers (who often use BHPH) average 21.6% . Key Factors Influencing Your Rate buy here pay here apr
Not all BHPH dealers report positive payments to credit bureaus, meaning you might not actually improve your credit score despite paying the high interest. For more specific data, you can check the