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In the used car market in the United States and Canada, buy here, pay here, often abbreviated as BHPH, refers to a method of running an automobile dealership in which dealers themselves extend credit to purchasers of automobiles. [1] Typically, purchasers of cars at BHPH dealerships have poor credit history, and loans have high interest rates. [1]
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Captives have a smaller share of the overall car financing market (new and used cars), along with banks, credit unions, and finance companies. A small number of cars are financed directly by the dealership at "Buy Here Pay Here" dealers, which cater to customers with subprime credit. Buy Here Pay Here financing accounts for 6% of the total ...
For example, with a pay-per-ride fare of $2.75 and a weekly unlimited MetroCard cost of $33 (as of October 2021), a passenger would still pay $2.75 per trip if they made 12 or fewer trips in a week; under the proposal, they would pay no more than $33 within a week, even if they made 13 or more trips. [157]
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