I’m interested in buying a vehicle from a Buy Here Pay Here (BHPH) dealership and would like to know the typical duration of the approval process. Specifically, how long can I expect it to take from the time I apply to the time I receive approval? Any insights or average time frames based on personal experiences would be appreciated.
BHPH dealerships are usually much quicker than traditional lenders because they mainly focus on your monthly income rather than your credit score. If you’ve got your documents ready—like proof of income, residency, and identification—you might get approved on the spot, or at least within a few hours. The actual time can vary a little, depending on the dealership and how organized your paperwork is, but it’s generally a same-day process. Just make sure all your financial ducks are in a row to speed things up.
I’ve heard it can sometimes be a bit longer if they need to verify employment or check out other details, especially if there’s anything unusual about your application. But yeah, mainly they seem to care about whether you’ve got steady income. I guess if there’s anything that doesn’t match up right away, it could take a day or two just to get everything cleared up. So, it’s decent to bring as much paperwork as possible in the first place to avoid any back and forth.