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Our network is available in the following greater Minnesota metro areas:
Duluth, Superior, Fargo, Moorhead, Grand Forks, Minneapolis, St. Paul, Rochester, St. Cloud.

As well as near the following MN counties:
Anoka, Benton, Carver, Chisago, Clay, Dakota, Hennepin, Isanti, Olmsted, Polk, Ramsey, Saint Louis, Scott, Sherburne, Stearns, Washington, Wright

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Buy Here Pay Here in MN


Often times it's called buy here pay here in Minnesota or even rent to own cars, it doesn't matter what it's called it means the dealer is the lender. MN BHPH lending refers to direct lending - you are borrowing from the local auto dealer that you buy the car from and pay weekly or monthly at the showroom.

You should also know that using on the lot finance in is a form of sub-prime lending, and it's been around for decades. In fact, Minnesota "pay inhouse" lending was the first form of subprime auto lending. This sort of automobile credit makes sense for people with poor credit and has been advantageous to MN car buying customers who cannot get approved at their local bank.


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