Can’t Get a Car Loan at the Credit Union? Try BHPH.

Can’t Get a Car Loan at the Credit Union? Try BHPH.

Finding a car loan can feel tough when a credit union turns you down, which is why BHPH can be a helpful option. Many people in Austin need a car for work, school, or family transportation, but not everyone has a perfect credit score. At Dynamic Motors, we believe you still deserve reliable transportation. That’s why BHPH (a buy here pay here dealership) might be the right option for you. 

Try Getting a Car Loan at the Bank or Credit Union

Many people start by trying to get a car loan through a bank or credit union. These places usually look closely at your credit score before they approve you. Today, interest rates are higher than ever, and lenders are stricter with who they approve. That means if your credit score is low or your credit history is short, getting a car loan can be difficult. 

Traditional lenders often want:

  • A good or high credit score
  • A steady income
  • A low amount of other debt
  • No repossessions
  • No divorce
  • No bankruptcy

If one of these doesn’t fit your situation, you may get denied. But don’t worry, there are other ways to finance a vehicle. 

Dynamic Motors Is a BHPH Dealership 

Dynamic Motors is proud to be a BHPH dealership here in Austin, Texas. But what does that mean? It means we finance the vehicle ourselves instead of sending you to a bank or credit union. You buy the car and make payments directly though us.

Getting approved is simple. You can even start online. Just visit our site, fill out the online application, and our team will work with you to get you on the road fast.  

BHPH Dealerships Are for Bad Credit or No Credit Car Loans

If you have bad credit, no credit, or past financial problems, BHPH may be the best path forward. To qualify for a BHPH car loan with Dynamic Motors, you usually need:

  • Proof of income or a job
  • A down payment that depending upon the vehicle
  • Basic personal information
  • The ability to make monthly payments

Dynamic offers a strong selection of used cars, trucks, SUVs, minivans, and Jeeps. Our goal is to help you find the right vehicle for your needs and budget, even if a bank or credit union turned you away. 

Ready for a Fresh Start?

You don’t need perfect credit to get a car loan, even if the credit union said no. You just need the right dealership with a BHPH option that works for you. Shop our inventory online and apply for financing today. Dynamic Motors is here to help you get back behind the wheel. 

Let’s get you approved!

Please enter the below information to start the approval process. Required are name, email and phone number.

Notice to all Applicants: A Consumer Report may be requested in connection with this application for credit or any future update, renewal, or extension of such credit. Upon request, you will be informed whether or not a consumer report was requested. If a report was requested you will be informed of the name and address of the consumer reporting agency that furnished the report.

Fair Credit Reporting Disclosure: this application for credit will be submitted to Dynamic Motors, Inc., Austin, TX for purchase or consideration as to whether it meets purchase requirements. I/We certify that the above information is complete and accurate. I/We authorize an inquiry of my/our credit and employment history and the release of information about my/our credit experience. I/We understand that I/We must update credit information at Lender’s request if my financial condition changes.

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