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How Offering Subprime Auto Financing Can Benefit Buy Here Pay Here Dealers

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Having the ability to offer credit approval to car buyers with bad credit or no credit history established is an advantage many Buy Here Pay Here (BHPH) car dealers can offer if they work with a subprime auto financing company.

A key benefit of offering subprime financing through the Credit Acceptance auto finance program is that enrolled dealers can receive an initial, upfront profit instead of collecting payments over time and waiting for profits. Dealers also have the benefit of being able to say “yes” to every potential customer in need of credit approval – resulting in more car sales.

Additional advantages the Credit Acceptance program can offer BHPH dealers include:

  • Positive cash flow at delivery
  • Additional future profits
  • Non-recourse financing
  • Training and sales support


Becoming an enrolled dealer with the Credit Acceptance auto finance program gives you the ability to offer credit-challenged car buyers fast and easy approval for subprime auto financing.

If you are interested in becoming an enrolled dealer on our program, fill out this short form on our website to get started!