: Interest rates are typically higher on these types of loans due to the increased risk the dealer assumes.

Located at 972 W. Hwy 25 70, Newport, TN. They focus on good quality pre-owned vehicles at budget-friendly prices. Directions Southland Auto Sales Used car dealer Closed104 Burke St

Located at 722 Cosby Hwy, Newport, TN. They specialize in financing quality used cars, trucks, and SUVs. Directions Cars, Trucks, and SUVs LLC Used car dealer Closed972 W Hwy 25 70

: You borrow from and make payments directly to the dealer.

: Your most recent pay stubs or bank statements. Proof of Residence : A recent utility bill addressed to you.

: Approvals generally rely on income and residence rather than traditional credit scores.

: Many BHPH lots only report missed payments or repossessions, failing to help you build positive credit. Ask the dealer specifically if they report on-time payments to the credit bureaus.