: While some offer low options like $500, expect to need between $1,000 and $1,500 for a wider selection.
: Instead of a credit score, dealers focus on verifiable income (pay stubs, bank statements) and residency stability.
: Recent pay stubs, bank statements, or proof of government benefits (SSI/Disability).
: Many BHPH vehicles use GPS trackers or starter-interrupt devices; missing a payment by even a few days can lead to immediate repossession.
: Because the dealer takes on more risk without a credit check, APRs can reach 20% to 28% .