What does buy here pay here mean?

Buy here pay here (BHPH) means the dealership handles both the sale and the financing in-house. There are no banks or third-party lenders involved. You buy the car here and make your payments directly to the dealership.

Is buy here pay here a good idea?

BHPH can be a great option if you have bad credit, no credit, or have been turned down by traditional lenders. At Fort Lauderdale Auto Sales, we go further — every vehicle is certified by Front Line Auto, our ASE-certified shop, and every car includes a 90-day warranty.

What credit score do I need for buy here pay here?

None. Buy here pay here financing does not require a credit check. At Fort Lauderdale Auto Sales, we approve based on your current income and ability to make payments.

How much is a typical down payment?

At Fort Lauderdale Auto Sales, down payments start at $1,000. Most BHPH dealers require $1,500 or more.

Are buy here pay here cars reliable?

It depends on the dealer. At Fort Lauderdale Auto Sales, every vehicle is certified at Front Line Auto — our own ASE-certified repair shop. We fix issues before you drive, and every car comes with a 90-day warranty.

Do buy here pay here dealers report to credit bureaus?

Some do, some don't. Policies vary by dealer. What doesn't change is that BHPH gives you reliable transportation without needing to pass a credit check first.

Can I trade in my current car?

Yes. We accept trade-ins and apply the value toward your down payment. In many cases, your trade-in can cover part or all of the $1,000 down.

What happens if I can't make a payment?

If you're going to miss a payment, call us before it's due. We work with our customers because we want you to keep your car — not take it back.

Is there a warranty on buy here pay here cars?

At Fort Lauderdale Auto Sales, yes. Every vehicle includes a 90-day warranty serviced by our sister shop, Front Line Auto. Not all BHPH dealers offer this.

How is Fort Lauderdale Auto Sales different from other BHPH dealers?

Every vehicle is certified at Front Line Auto by owner Omari Grant, ASE mechanic since 2005 — our own repair shop. We offer a 90-day warranty on every car serviced by Front Line Auto, and back every sale with real mechanic expertise.

What is in-house financing at a car lot?

In-house financing means the dealership itself provides the loan — no banks, no third-party lenders, no credit check. At Fort Lauderdale Auto Sales, you buy here and pay here. We hold the loan and you make weekly or bi-weekly payments directly to us. It's also called 'buy here pay here' or 'drive here pay here.' Approval is based on income, not credit score.

Are in-house financing car lots safe to buy from?

It depends on the dealer. At Fort Lauderdale Auto Sales, every vehicle is certified by ASE-certified mechanic Omari Grant at Front Line Auto before sale. We include a 90-day warranty — most in-house financing lots sell as-is. We've been in business 20+ years with a 5.0-star Google rating across 95 reviews. 'Other dealer lots sell as-is because they want limited liability. Customer satisfaction is key — you want to stand behind your product.' — Omari Grant

How does buy here pay here work?

You visit the dealership, bring your ID and proof of income, choose a vehicle, make your down payment ($500–$1,000 at Fort Lauderdale Auto Sales), sign your financing agreement, and drive home the same day. No bank approval needed. The dealership holds the loan and you pay them directly. At FLAS, every vehicle is certified at Front Line Auto before sale.

How do buy here pay here car lots work?

BHPH car lots handle everything in-house: the sale, the financing, and the payments. You deal directly with the dealer — no banks, no credit applications, no waiting for approval. What sets Fort Lauderdale Auto Sales apart is that we also own our own repair shop (Front Line Auto), so every car is inspected before sale and backed by a 90-day warranty.

BHPH Guide · Fort Lauderdale

How Buy Here Pay Here Works — A Simple Guide

Everything you need to know about buy here pay here financing in Florida. No jargon, no tricks — just straight answers from a mechanic-owned dealership.

Get Pre-Approved → (954) 793-1761 Text Us

No credit check $1,000 down 90-day warranty

5.0 ★

95 Google reviews

Since 2013

Mechanic-owned

$1,000

Minimum down

90-Day

Warranty included

ASE Certified

Owner mechanic

The Basics

What Is Buy Here Pay Here?

Buy here pay here (BHPH) is a type of car financing where the dealership itself handles the loan — no banks, no third-party finance companies, no middlemen. You buy the car here and make your payments directly to the dealer. At Fort Lauderdale Auto Sales, every BHPH vehicle starts at $1,000 down.

This model exists because traditional lenders often reject people with bad credit, no credit, or past bankruptcies. BHPH dealers fill that gap by approving customers based on income and ability to pay, not credit scores. If you have been turned down elsewhere, see our no credit check cars page.

The result: people who need a car to get to work can actually get one, often the same day they walk in. Browse our used cars in Fort Lauderdale to see what's available now.

Source: CFPB — Auto Loans Consumer Guide

Our Difference

How Fort Lauderdale Auto Sales Does It Differently

Most BHPH dealers buy cars at auction and sell them as-is. We don't.

ASE-Certified Owner

Omari Grant is an ASE-certified mechanic who inspects every car before it hits the lot. He can spot a blown head gasket at auction — something most dealers miss entirely.

We Own the Repair Shop

Front Line Auto is our shop. Same owner, same team. We inspect it, certify it, and if something goes wrong, we fix it — no third-party runaround.

90-Day Warranty on Every Car

Not as-is. Every vehicle includes a 90-day warranty backed by Front Line Auto. We've replaced transmissions at no charge to the customer.

Income-Based Approval

No credit check. We look at your income. $1,500/month and $1,000 down is all it takes. Most approvals happen in under 30 minutes.

Step by Step

The BHPH Process at FLAS

From first call to driving home — here's exactly what happens.

Browse or Call

Check our inventory online at fortlauderdaleautosales.com or call (954) 793-1761. No appointment needed — walk-ins welcome during business hours.

Apply for Financing

Apply online or on the lot. We look at your income and ability to make payments — not your credit score. Most approvals happen in minutes.

Choose Your Vehicle

Browse our lot of inspected vehicles. Every car is certified by Front Line Auto, our ASE-certified shop. All prices start at $5,999 — no hidden fees.

Sign & Drive

Complete your paperwork, hand over your $1,000 down payment, and drive home the same day. Every vehicle includes a 90-day warranty backed by Front Line Auto.

What to Bring

What You'll Need

Four items. No mountains of paperwork.

Valid ID

Driver's license or state ID

Proof of Income

Pay stubs or bank statements

Proof of Address

Utility bill or lease agreement

$1,000 Down Payment

Cash or debit card

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"

Before a vehicle ever hits our lot, we personally drive and test it ourselves. If we wouldn't put our own family in it, we won't sell it to yours.

"Mechanic-Owned. That Changes Everything."

Omari Grant isn't just the owner — he's an ASE-certified mechanic who ran Front Line Auto for 8 years before selling his first car. Every vehicle is inspected by the same team that repairs cars for a living.

"Customers for Life, Not Just a Sale"

Our customers don't just buy once — they come back for their second, third car, and send their family. That's the trust you can't fake.

Omari Grant, Owner of Fort Lauderdale Auto Sales

13+

Years in Business

5.0★

Google Rating

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

Learn More

Related Resources

Buy here pay here in Fort Lauderdale — $1,000 down, same-day approval
$500 down cars in Fort Lauderdale — lower down payment options
No credit check cars Fort Lauderdale — approved on income, not credit
Our 90-day warranty — backed by Front Line Auto, not a third party
Browse current inventory — 20+ inspected and warranted vehicles

Common Questions

Common Questions About Buy Here Pay Here

Ready to Get Started?

Apply Today — Drive Today

$1,000 down, no credit check. Every car inspected at Front Line Auto and backed by a 90-day warranty. Hablamos Español.

Get Pre-Approved → (954) 793-1761 Text Us