Buy Here Pay Here in Long Beach, MS

What Is Buy Here Pay Here?

Buy Here Pay Here, often called BHPH, simply means the dealership that sells you the vehicle also provides the financing. Instead of getting your auto loan from a traditional bank or credit union, eligible customers can finance directly through Chuck Ryan Cars and make their payments to us.

That gives us the ability to look at more than just a credit score when working with customers. Whether you've had credit problems in the past, don't have much credit history yet, or simply need another option for financing a vehicle, come talk to us about your situation.

How Buy Here Pay Here Works at Chuck Ryan Cars

We try to make buying a vehicle as simple as possible. Start by looking through our current inventory of used cars, trucks and SUVs. Once you've found a vehicle you like, we'll work with you on financing and explain your down payment, payments and loan terms and answer any questions you have before you sign anything.

Once you've selected your vehicle, the financing and paperwork can often be completed in about 30 minutes. No mystery. No sitting around the dealership all day wondering what's happening. That's part of what we mean by Quick and Easy.

How Much Do I Need for a Down Payment?

The down payment will depend on the vehicle and your individual situation. A larger down payment can work in your favor. Depending on your financing, putting more money down may help lower your payment, reduce the amount of interest you pay, or help you pay off your vehicle sooner.

We'll explain how different down payment amounts affect your specific financing so you can decide what works best for you.

What If I Don't Have My Full Down Payment Today?

In some situations, we can work with customers who don't have the entire down payment available at once. We may be able to arrange pickup payments, allowing you to make an initial down payment, drive your vehicle home, and complete the remaining portion of your down payment through additional payments over a short period of time.

Pickup payments are interest-free, and your regular vehicle payments don't begin until your full down payment has been completed.

Pickup payments aren't available in every situation, so ask us whether they're an option for you. It's one more way we try to make buying a vehicle Quick and Easy.

What Do I Need to Bring?

Having your documents ready can make the process even quicker.

Generally, you'll need:

• Valid ID
• Proof of income, such as check stubs, a W-2 or a verification letter from your employer
• Proof of residence, such as a utility bill or bank statement

You can email your documents to sales@chuckryancars.com or text them to 228-596-1916 before you come in. Have a question about whether a document will work? Just ask us.

How Long Will I Be Making Payments?

Our Buy Here Pay Here loans are typically structured for about two to three years. We want you to understand not only what your payment will be, but how long you'll be making it and what you're financing.

And when you make that last payment? We hand you the title. Our goal isn't to keep you making car payments forever. It's to put the keys in your hand today and the title in your hand when you're paid off.

What About Insurance?

Mississippi law requires drivers to carry liability insurance. CRC can also help explain the insurance and vehicle-protection options available with your purchase so you know what you need before you drive away.

If you have questions about insurance before buying, just ask us. We'd rather explain it clearly than have you guessing.

What Happens If My Vehicle Needs Repairs?

Our relationship with customers doesn't end when they drive off the lot. Vehicles purchased from Chuck Ryan Cars include a free 30-day/1,000-mile warranty, and longer extended warranty options are available for purchase.

And our customer care doesn't disappear when your loan is paid off, either. Even after we've handed you the title, you can still bring your vehicle to us and receive our mechanic pricing on repairs.

That's what we mean when we say we're here for our customers before, during, and after the sale.

Why Choose Chuck Ryan Cars for Buy Here Pay Here?

Chuck Ryan Cars has been part of the Mississippi Gulf Coast since 1975. We're still family-owned, still right here in Long Beach, and generations of Gulf Coast customers have trusted us with their vehicles.

We serve customers from Long Beach, Gulfport, Biloxi, Pass Christian, Bay St. Louis and communities throughout the Mississippi Gulf Coast.

We're not interested in making car buying more complicated than it needs to be. We'll explain your options, answer your questions and help you find a vehicle and financing arrangement that make sense for your situation. We're big on second chances.