Will I lose my car if I miss one BHPH payment?

Not necessarily — and never at Fort Lauderdale Auto Sales without prior communication. We ask that you call us before the due date if you know you'll be short. One call prevents a lot of problems. Most BHPH dealers will work with you before considering repossession, especially on a first missed payment.

Can I make a partial payment on my BHPH loan?

Yes, we accept partial payments. Making a partial payment and communicating your situation is far better than making no payment and going silent. Call us at (954) 793-1761 and we'll work out a plan.

Is there a grace period for BHPH payments?

Grace periods vary by dealer and contract. Review your financing agreement for the exact terms. At Fort Lauderdale Auto Sales, we encourage you to call us immediately if a payment date is a problem — before the grace period runs out, not after.

How do I avoid missing a payment?

Set a calendar reminder 3 days before your due date. If you're paid weekly or biweekly, match your payment schedule to your paydays when possible. Communicate with us early — if your situation changes, call (954) 793-1761 and we'll find a workable solution.

What happens if you miss a buy here pay here payment?

If you miss a BHPH payment, the outcome depends on how quickly you communicate. At Fort Lauderdale Auto Sales, call (954) 793-1761 before your due date if you know you'll be short. We work with you to find a solution before any repossession is considered.

Do buy here pay here dealers have grace periods?

Most BHPH contracts include a grace period. Review your financing agreement for exact terms. Communication before the due date is the key — call us at (954) 793-1761 and we'll work it out.

Payment Guide

Missed a Payment?
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What actually happens at FLAS when life gets in the way — and how to handle it.

Call (954) 793-1761 How BHPH Works

Family-Owned & Operated

13 Years of Honest Business. Every Car. Every Customer.

Fort Lauderdale Auto Sales isn't a franchise and it isn't a flip lot. It's a family business built on one principle: treat people the way you'd want to be treated when buying a car.

"We Drive Every Car Before You Do"

Omari Grant holds multiple ASE certifications — the national standard for automotive service. He's been diagnosing and repairing vehicles in Broward County since 2005.

"Mechanic-Owned. That Changes Everything."

Every guide on this site comes from hands-on experience. When we say a Honda Civic runs 200,000 miles, it's because Omari's serviced them at that mileage. When we explain BHPH financing, it's because he built the process.

"Customers for Life, Not Just a Sale"

The information here is free. If you want to act on it, we're at 3575 NW 31st Ave in Oakland Park.

Omari Grant, Owner of Fort Lauderdale Auto Sales

13+

Years in Business

4.9★

Google Rating

75+

Customer Reviews

$1,000

Minimum Down

✓

Every Car Inspected

Multi-point inspection by ASE-certified mechanics

✓

No Credit Check

Approval based on income, not credit score

✓

90-Day Warranty

Only Broward BHPH lot with our own mechanic shop

✓

Service After the Sale

Front Line Auto maintains every car we sell

Our Approach

How FLAS Handles a Missed Payment

At Fort Lauderdale Auto Sales, repossession is not the first response to a missed payment. Omari built this dealership around relationships — and that means working through problems together.

“Stuff happens. Give me a call. We're here for you.” — Omari Grant, Owner & ASE-Certified Mechanic

The single most important thing you can do: call before your payment is due, not after you've already missed it. That one action changes everything about how the situation gets resolved.

We accept partial payments. We work around payday schedules. We don't want your car back — we want you to keep driving it.

General BHPH Info

What Typically Happens at BHPH Dealers

BHPH financing is held in-house by the dealer — there is no bank or third-party lender. That structure gives dealers more flexibility than traditional lenders, but also means the response to a missed payment is entirely up to that dealer's policies.

Here is what typically happens across the BHPH industry:

Grace period: Most contracts include a 5–10 day grace period. After that, late fees apply. Check your contract for the exact terms.
Late fees: Commonly $25–$50 depending on the dealer and state law. Florida does not cap late fees on private auto loans, so they are set by contract.
Communication: Dealers will call or text. Responding and explaining your situation is always better than going silent.
Repossession: In Florida, a lender can repossess a vehicle without prior notice once a loan is in default. However, most dealers — including FLAS — use repossession only as a last resort after communication has broken down. See the CFPB guide on repossession rights to understand your consumer protections.
GPS starters: Some BHPH dealers use remote-disable devices. FLAS does not use payment interrupters as a first response to a missed payment.

Stay on Track

Tips to Avoid Missing a Payment

Match Payments to Paydays

When possible, structure your payment due date around when you get paid. Ask at signing if bi-weekly payments are available to match a weekly paycheck.

Set Calendar Reminders

Set a reminder 3 days before your due date — not on the due date. That gives you time to arrange funds or call us if there is a problem.

Build a Small Buffer

Even $50–$100 set aside in a separate savings account as a payment buffer can prevent a missed payment during a slow week.

Communicate Early

If you know a payment will be tight, call (954) 793-1761 before the due date. Options exist when you communicate early — fewer options exist after you have already missed.

Common Questions