Direct Dealer Financing

Buy Here Pay Here

We finance you directly. No bank. No credit union. No runaround. Bad credit and no credit welcome.

Get Pre-Approved Browse BHPH Vehicles

What Is Buy Here Pay Here?

When you finance through a traditional bank, a third-party lender decides whether you qualify — often saying no to buyers who don’t fit a narrow profile. Buy Here Pay Here removes that barrier entirely.

With BHPH at Kale Autos, the dealership is the lender. Approval is based primarily on your income and ability to pay — not your credit score. Payments go directly to us on a schedule built around your life.

With BHPH at Kale Autos:

  • No bank or credit union involvement
  • Approval based on income, not credit score
  • Faster process than traditional auto loans
  • Payments made directly to Kale Autos
  • First-time buyers and credit rebuilders welcome

How Our BHPH Program Works

1

Choose Your Vehicle

Browse our inspected inventory. Most vehicles qualify for BHPH. Each listing shows an estimated down payment and monthly payment.

2

Submit Your Information

Share your income, employment situation, and the vehicle you want. No formal credit application required to get started.

3

We Build Your Payment Plan

Based on the vehicle price, your down payment, and monthly income — we structure a clear plan with no hidden terms.

4

Review & Sign

Your financing agreement covers every detail. Review everything, ask questions, then sign electronically.

5

Delivery to Your Door

Once signed and down payment confirmed, we schedule vehicle delivery anywhere in the United States.

Who BHPH Is Right For

Our BHPH program is an excellent fit if you:

  • Have a credit score below 580 or no credit score at all
  • Have experienced bankruptcy, repossession, or foreclosure
  • Are a first-time buyer with no established credit history
  • Work a non-traditional job — self-employed, gig economy, seasonal
  • Have been denied by banks or credit unions previously
  • Need a vehicle quickly without weeks of traditional approval

If you have steady, verifiable income and the commitment to make payments — we will work with you.

BHPH vs. Traditional Financing

Feature BHPH Traditional Bank
Lender Kale Autos directly Third-party bank
Credit Check No — income-focused Yes — hard pull
Approval Time 24–48 hours 3–7+ business days
Bad Credit OK? Yes Usually no
Best For Credit-challenged buyers Good/excellent credit

$200–$1,500

Typical Down Payment

Weekly / Bi-weekly

Payment Schedule Options

12–48 Months

Typical Loan Terms

Early Payoff OK

Confirm terms at signing

Frequently Asked Questions

Some BHPH programs report payment history to credit bureaus, which can help rebuild your credit over time with consistent on-time payments. Ask our team whether this applies to your specific agreement.

There is no fixed minimum, but demonstrating consistent, verifiable income is required. Our team evaluates each situation individually based on the vehicle price and proposed payment amount.

Yes. Many buyers refinance into a lower-rate loan through a bank or credit union once they have rebuilt their credit through consistent on-time BHPH payments.

Most vehicles in our inventory are available through our BHPH program. Browse our inventory and our team will confirm BHPH availability for your specific vehicle of interest.

Contact us before missing a payment — always. We work with buyers through genuine hardships when there is open, proactive communication. Details on late payments are outlined in your financing agreement.

Yes. Buy Here Pay Here dealerships operate legally across all 50 states. Regulations vary by state, but the BHPH financing model itself is legal and regulated nationwide.

No bank. No stress. Just a car.

Get pre-approved for our BHPH program and browse vehicles ready to deliver to your door.

Get Pre-Approved Today View Inventory