Is in-house financing the same as buy here pay here?

Not exactly. In-house financing means the dealer is your lender and you make monthly payments to them. BHPH is a specific type with weekly/bi-weekly payments and GPS tracking. FLAS offers in-house financing with flexible monthly options.

Do I need a license for in-house financing?

You need a valid driver's license to register and drive the car legally. FLAS works with buyers in the process of getting a license or who have a passport instead of a US license.

What's the typical down payment for in-house financing?

FLAS typically requires $500–$1,000 down for in-house financing, with the balance financed over 24–36 months at weekly or monthly payment terms.

Does in-house financing build credit?

In-house financing may build credit if the dealership reports your payments to credit bureaus. Not all dealerships do. Even if they don't report, on-time payments improve your reputation with the dealer.

Can I get in-house financing with an ITIN?

Yes. Many dealerships, including FLAS, approve ITIN holders without a Social Security number. You'll need income documentation, employment history, and a valid ID.

What's a typical APR on in-house financing?

In-house financing APRs typically range from 15–25%. Bank loans average 8–12%, so in-house financing costs more — the trade-off is faster approval and no credit-score requirement.

What is in-house financing? Learn the definition. In-house financing is when a car dealership is your lender.

Auto Financing Glossary

What Is In-House Financing?

Definition, how it works, who qualifies, and how in-house financing differs from bank loans and buy here pay here.

Get Pre-Approved → (954) 793-1761

Definition

In-house financing is when the dealership itself acts as the lender, instead of routing the buyer to a bank or credit union. The buyer makes monthly payments to the dealership directly.

How It Works

Application: Fill out a form with income, employment, and ID info. No credit check.
Approval: Dealership reviews and decides on down payment and monthly amount.
Contract: Sign a purchase contract and promissory note.
Payments: Make weekly or monthly payments directly to the dealership for 24–36 months.

Who It's For

No credit history — never had a loan or credit card
Bad credit — score below 600 or late payments/repos
ITIN holders — work in US without Social Security number
Repo history — can't get approved by banks
Self-employed — banks want 2 years of tax returns

Frequently Asked Questions

In Fort Lauderdale

Fort Lauderdale Auto Sales offers in-house financing since 2013. Owner Omari Grant is ASE-certified and inspects every car personally. No credit, bad credit, ITIN, or repo — we'll work with you.

Every car includes a 90-day warranty serviced at our own repair shop. Flexible monthly payments from $500 down — no GPS tracker, no surprise fees.

In-House Financing

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ITIN Financing

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No credit check. 24-hour approval.

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— Omari Grant, Owner & ASE-Certified Mechanic