Why should you buy with South Side Auto Credit? We are a Buy Here, Pay Here (BHPH) Dealership. What does that mean? Most people can't afford to buy a vehicle with cash. Typically, the money to buy a vehicle is borrowed through places such as banks or credit unions. However, things like bad credit or low credit score can prevent those places from lending to you. BHPH financing means that you arrange the loan and then make the payments through our dealership. It takes the hassle out of purchasing a vehicle, since the financing is in the same place you're purchasing!

Loan decisions are made by the us, which means it's almost always approved, since we want to sell you your next vehicle! Your chances are higher for approval if you have an address and a steady income. Plus, making your payments on time will only improve your credit. If you think BHPH may be right for you, feel free to contact us and one of our finance specialists will get back to you. You can schedule an appointment or visit our Effingham location any time!