Buy Here, Pay Here vs. Dealership Financing: Why Sisbarro’s “Extra Effort Financing is the Better Choice

Used Cars For Sale in Las Cruces

Navigating Car Shopping with Challenged Credit

Getting a new vehicle can be a stressful process, especially if you have challenged credit. For shoppers in Deming and Las Cruces, “Buy Here, Pay Here” (BHPH) is the typical choice, but it’s a flawed process that doesn’t serve well in building back up your equity. Fortunately, at The Sisbarro Family of Dealerships, we offer an alternative with our Extra Effort Financing. Visit one of our car dealerships serving Las Cruces or Deming, NM where our finance team can help you get a reliable vehicle, while helping you build back up your credit score.

The Reality of “Buy Here, Pay Here” (BHPH) Lots

The BHPH business model has a dealership act as the credit lender directly to someone in need of an auto loan, instead of going through an intermediary like a bank. These are often for people with sub-prime credit, and are predatory with sky-high interest rates. Not to mention, the vehicles provided are often lower-quality, with high-mileage used vehicles that lack warranties. Many BHPH lots also don’t report on-time credit payments, meaning your credit score can never improve.

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The Sisbarro Advantage: Breaking Down “Extra Effort Financing”

In comparison to BHPH lots, Sisbarro can help you secure a loan through actual local and national financial institutions, so every on-time payment helps rebuild your credit. Our finance professionals are English-Spanish bilingual, so you can negotiate the best terms in your preferred language and with complete transparency. Additionally, we’ll also run you through the advantages of manufacturer incentives and trade-ins to help lower your out-of-pocket costs.

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Quality You Can Trust: Moving Past the “Bottom of the Barrel”

BHPH vehicle inventories are often lacking compared to the massive stock of reliable models found at Sisbarro. You know you’re getting the best deal thanks to the benefits provided by our Sisbarro Certified Pre-Owned program, with each model having undergone rigorous inspections to ensure the best possible performance on the road. These vehicles come with a clean title and free CARFAX report, so you’ll never be blindsided by the quality of a vehicle before you buy, and you can even take advantage of our exclusive Sisbarro Lifetime Engine Protection warranty for eligible models. If you realize you don’t like the vehicle you purchased, no worries, as the Sisbarro 3-Day Guarantee allows for flexible exchanges after the initial purchase.

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Find Second Chance Auto Loans in New Mexico

If you’re in need of a new vehicle, skip the risks of a BHPH lot and choose to finance with our team instead. If you want a closer look at one of our used cars, schedule a test drive at any of our dealerships in Southern New Mexico, serving the Deming and Las Cruces areas. If you have any other questions about vehicle financing, don’t hesitate to contact us online at The Sisbarro Dealerships.

Used Cars For Sale in Deming

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