Subprime Auto Lending: Trends in Buy Here Pay Here Auto Lending

Olena Chyruk, David Cox, Lily Liu, James Z. Wang and Stephen Zoulalian
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James Z. Wang: https://www.federalreserve.gov/econres/james-wang.htm

No 2026-05-08-2, FEDS Notes from Board of Governors of the Federal Reserve System (U.S.)

Abstract: Buy Here Pay Here (BHPH) auto dealers occupy a unique position in the auto market by serving as both the seller and financier of vehicles to their customers. This contrasts with traditional auto dealers, who connect buyers to financing options from third-party banks, credit unions, or auto finance companies, including the captive financing arms of auto manufacturers.

Date: 2026-05-08
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Persistent link: https://EconPapers.repec.org/RePEc:fip:fedgfn:103237

DOI: 10.17016/2380-7172.4047

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