Expect higher annual percentage rates (APRs) compared to traditional loans—often reaching 25% or more.

Local dealerships like Oxendale Auto Center and Prescott Valley Kia offer specialized alternative financing for those with "challenged" or sub-prime credit.

While BHPH is a lifeline for many, it’s important to understand the trade-offs:

Many local lots require weekly or bi-weekly payments instead of the standard monthly schedule.

Not all BHPH dealers report your on-time payments to credit bureaus. If rebuilding your credit is a priority, explicitly ask Oxendale or 5 Star Cars about their reporting practices. Tips for Local Buyers Prescott Valley Kia

Driving Forward: A Guide to Buy Here Pay Here in Prescott Valley

Family-owned Kia dealer providing new and used cars, as well as service and parts. What is a Buy Here, Pay Here Dealership & How does is work?