Finance Frequently Asked Questions

Learn more about Brenner Car Credit Buy Here Pay Here in-house financing program

At Brenner Car Credit, we know that financing is a big deal and that you have questions to ask. Click on the questions below for detailed answers on how our in-house financing works and details on how we can help you get on the road to credit freedom. If you have a question that is not listed below, please call us at (717) 436-2161. We look forward to helping you get on the road reliably.

What is a Buy Here Pay Here Dealership?

Buy Here Pay Here or BHPH, are one-stop shop car dealerships. Instead of worrying about third-party lenders - banks, credit unions, and other lending companies, you get your loan and make payments directly where you buy the vehicle. Our Buy Here Pay Here dealership will help you buy your next vehicle - have bad credit, no credit, or bankruptcy? No problem!

Build or Re-Establish Your Credit

Did you know that you can build or re-establish your credit with a car loan? Our goal is to make it easier for you to do just that. While not all BHPH report payment histories to the credit bureau, our dealership reports to Transunion so making on-time payments will help repair your credit score. If your goal is to either build credit or re-establish your bad credit, and you're shopping for a new vehicle, consider a used car loan with us.

Click each question below to see the answer.

Brenner Car Credit knows that bad things can happen to good people. That’s why Brenner Car Credit specializes in arranging auto loans for individuals who have had credit problems in the past. We can help almost any credit situation. Previous repossessions, foreclosures, charged-off accounts, tax liens, delinquent credit cards, and judgments you may have against you are all obstacles that we have overcome in the past.

Obviously, each person’s situation is a little different, but our Finance Specialists work each and every day with the situations described above and want to give each customer a chance to re-establish their credit worthiness.

Already Approved?

If you have secured your full approval through our online application system you will simply bring your valid PA drivers license and your initial investment funds to your vehicle selection appointment.

Pre-approved or Yet to Apply?

Bring the following items with you to the dealership in order to Fast-Track your vehicle selection.

  • Valid PA drivers license
  • Proof of income (such as 2 most recent pay stubs, social security documentation, or pension documentation)
  • Proof of residence (a recent utility bill or other piece of mail confirming your address)
  • Copy of your lease or mortgage agreement
  • Social Security card
  • 6 Personal references

Yes. All of our vehicles come with a standard 3 month/3,000 mile (Whichever occurs first) limited warranty.

Our down payments start as low as $499, but unlike our competition, Brenner Car Credit does not have pre-set down payments on every unit. Your specific information will be evaluated by our staff of Finance Specialists who try to get you the loan amount you desire for the right amount of money down!

Our process is simple. We will ask you to fill out our 6 step easy online application. Once you submit that application our team of experts will evaluate and contact you with your approval details and schedule an appointment at one of our five convenient locations. This whole process take just minutes and you will be on the road soon! Our goal is to make your car buying experience fast and pleasant.

  • Tax, tags, & title fees are include in the loan
  • We offer easy payment plans starting as low as $85/week
  • Friendly & knowledgeable staff



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