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A larger down payment can sometimes help secure a more competitive rate by reducing the dealer's risk.

While BHPH dealers may not do a hard credit check, they cater to "Deep Subprime" borrowers (scores 300–500), where double-digit rates are standard. buy here pay here apr

For context, the average used car APR for prime borrowers is around 9.4% , while deep subprime borrowers (who often use BHPH) average 21.6% . Key Factors Influencing Your Rate A larger down payment can sometimes help secure