If you financed at a bhph dealership, you're likely paying 18-25% interest. Refinance your buy here pay here financing today and reclaim hundreds of dollars every month with rates designed for drivers, not dealers.
No hard credit pull to check your rate
Trusted by 50,000+ borrowers · 200+ lending partners nationwide
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Escape high interest car loans from buy here pay here dealerships and reduce your rate by 8-15 percentage points on average
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Get approved in minutes, not days—even if bad credit car dealers told you traditional financing wasn't an option
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Unlike bhph auto sales, we don't inflate rates to pad profits. You get transparent pricing and honest terms every time
Understanding what is buy here pay here means recognizing why those bhph loans cost you thousands more than necessary
When you searched for buy here pay here near me, you needed transportation fast. Those bad credit car dealers helped when banks wouldn't, but that doesn't mean you should pay predatory interest forever. We built DriveSmart because related finance companies in the BHPH space kept customers locked in impossible loans. You've made payments, built equity, and proven responsibility. Now it's time for financing that reflects your progress, not your past. The best bhph dealerships will tell you to refinance when you can—we're here to make that happen.
Every on-time payment you've made deserves to count toward better terms
Poor credit car financing should be a stepping stone, not a life sentence
You shouldn't pay 3x a car's value just because you started with bhph cars
Transparent lending beats the hidden fees baked into bhph interest rates
Escape those high interest car loans faster than you got into them
Share basic details about your bhph financing—your current payment, interest rate, and remaining balance. We'll analyze what you're paying versus what you should be paying with today's rates.
Review multiple refinancing options tailored to your situation. See exactly how much lower your monthly payment could be compared to typical bhph loans, and calculate your total savings over the life of the loan.
Choose the offer that works best for your budget. We handle the payoff with your buy here pay here dealerships and set up your new, affordable payment schedule. Start keeping more money in your pocket immediately.
We back every refinance with guarantees that put your financial wellbeing first
If we can't beat your current bhph interest rates significantly, we'll tell you upfront. No bait and switch—just honest assessment of whether refinancing saves you money.
Unlike used car dealerships bhph that pack fees into contracts, we show every cost clearly before you sign. What you see is exactly what you pay—period.
Pay off your loan early without penalties. We make money on fair interest, not by trapping you in buyherepay cycles that never end.
I was paying 22% at a buy here pay here dealership. DriveSmart got me down to 8.9% and I'm saving $247 every month. I actually see the principal going down now instead of just paying interest forever.
The bad credit car dealers near me wanted $500 down plus 24% interest. After making payments for 18 months, I refinanced with DriveSmart. Cut my rate in half and finally feel like I own my car, not the other way around.
I didn't know what is buy here pay here really meant until I calculated how much I'd pay total. These guys explained everything and saved me over $8,000 in interest. Best financial decision I've made.
You've proven you can make payments. You've shown responsibility month after month. Now it's time for financing that rewards your progress instead of punishing your past. Join thousands who've refinanced their way out of buy here pay here financing and into loans that actually make sense. Check your rate in under 3 minutes—no obligation, just real numbers that show what you could be saving.