Buy Here, Pay Here

Here at Beaver Valley Auto Mall, our team is committed to serving all our neighbors throughout Monaca, Aliquippa, and New Brighton. We provide both the time and resources to help you secure the right auto loan, even if you're currently experiencing limited financial options.

If you're currently in the market for a used car, truck, or SUV, you might have come across information about Buy Here, Pay Here or BHPH programs. While some used car dealerships offer this path, we simply don't believe in limiting you to just one option.

To learn the reasons why, continue reading and don't hesitate to contact us with any questions!

What is a Buy Here, Pay Here Program?

Essentially, BHPH programs are designed for people who are in the process of rebuilding their credit and might be struggling to secure a traditional loan.

In this scenario, the car dealership assumes the role of the bank or lending agency setting up a direct payment plan with terms and an interest rate they control. Often, a dealership won't even take your current credit score into account, instead relying on proof of income and a few other bits of personal information to determine your eligibility.

While this might appear to be an attractive alternative at first, keep in mind Buy Here, Pay Here programs limit a buyer's negotiating power and often come with stricter guidelines and penalties than traditional financing.

For instance, a dealership may require a buyer to make payments in person on a more frequent basis than what a traditional auto loan requires. In many cases, this means making bi-weekly or even weekly payments.

Furthermore, in the event of a late or missed payment, BHPH programs often carry higher penalties, which further add to the vehicle's overall expense. Now consider the fact that the interest rates on some Buy Here, Pay Here loans hover around 20%, and you might quickly find yourself seeking out a better option.

Simple Financing When You Need It

Whether you're a brand-new driver with a limited credit history or someone who's looking to make a fresh new start, our team of experienced financing specialists is here to help you each and every step of the way.

Using their close relationship with local banks and lending agencies, they'll work hard to try and secure a range of options that best fit your budget. If you'd like to take the first step, we encourage you to take a few moments to complete a simple and secure finance application through our site.

In case you're looking to trade in your current vehicle, our finance center also provides a special value your trade tool where you can receive an initial estimate on your current make and model. We even provide a fine selection of used cars under $10K that you're welcome to browse as well. 

Visit Our Finance Center Today!

If you have any further questions, don't hesitate to contact the finance center at Beaver Valley Auto Mall.

If you're ready to take the next step towards hitting the streets of Monaca, Aliquippa, and New Brighton in a quality used car, visit our showroom or go online to schedule a visit today!

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Beaver Valley Automall

750 Beaver Valley Mall RT 18
Directions Monaca, PA 15061

  • Sales: (724) 371-0566


  • Monday 9:00AM - 9:00PM
  • Tuesday 9:00AM - 6:00PM
  • Wednesday 9:00AM - 6:00PM
  • Thursday 9:00AM - 9:00PM
  • Friday 9:00AM - 6:00PM
  • Saturday 9:00AM - 5:00PM
  • Sunday Closed