Unlike traditional dealerships that send your loan application to outside banks, BHPH lots handle all financing in-house. This means your "job is your credit," and approvals are often based on your proof of income and residency rather than a rigorous credit check.

Many NWI dealerships, such as Quick Auto Group , claim you can drive away in a vehicle in less than 60 minutes.

Dealership selling used cars such as Jeep Grand Cherokees and Chevy Traverses. Merrillville, IN - RightWay Auto Sales

Not all BHPH lots report on-time payments to credit bureaus, meaning you might not be building your credit score while paying off the car.