Buy Here Pay Here Requirements May 2026

Driver's license, state ID, or Passport; Social Security number.

: Many BHPH lots require a list of 2 to 10 references (friends, family, or employers) with current contact information to verify your stability. Unique BHPH Features

A utility bill (electric, water, or gas) in your name dated within the last 30–60 days. A current lease agreement or mortgage statement. buy here pay here requirements

: Unlike traditional monthly loans, BHPH terms often align with your payday (e.g., weekly or bi-weekly).

Award letters for fixed income like Social Security or disability. Driver's license, state ID, or Passport; Social Security

Bank statements (often 2–3 months) to show consistent deposits.

Pay stubs, bank statements, W-2s, 1099s, or benefit award letters. A current lease agreement or mortgage statement

: Some dealers install GPS starters or "payment reminder" devices that can remotely disable the vehicle if a payment is missed.