: Most BHPH dealerships do not perform a "hard" credit check when you apply. Because there is no inquiry, your score will not drop simply by applying for the loan.
Whether a "buy here pay here" (BHPH) loan appears on your credit report depends entirely on the specific dealership's reporting practices. While traditional lenders almost always report to the major bureaus (Equifax, Experian , and TransUnion), BHPH dealers—which act as both the seller and the lender—often do not. How BHPH Loans Impact Your Credit does buy here pay here go on your credit
: Even if a dealer doesn't report on-time payments, they are much more likely to report negative events, such as defaults, late payments, or repossessions. : Most BHPH dealerships do not perform a