W. 410 US-24
Gilman, IL 60938
 P: (815) 265-9881
W. 410 US-24 Gilman, IL 60938
(815) 265-9881

Buy Here Pay Here

Having trouble getting financing to buy a used car?  Gilman Auto Sales has a program just for you.


Gilman Auto Sales is a buy here pay here dealership.  Stop by and we will help you get into a used car even if you have bad credit.


What does Buy Here Pay Here mean?


Buy Here Pay Here (BHPH) financing is when a customer arranges a loan and makes payments on that loan at the dealership.  The car is purchased through what is referred to as in-house financing rather than through a third party, such as a bank or finance company.  BHPH financing is designed for customers with little to no credit, as well as those with a rough credit history, which may prevent them from obtaining conventional financing for a vehicle.


How does it work?


BHPH applicants will be evaluated using a risk rating score sheet, which will allow us to properly qualify them for a vehicle.  All BHPH transactions do require money down.  Payments can be made with cash or credit and are generally setup to coincide with the customers pay schedule.


What will you need to get started?


  • Driver’s License
  • Proof of Auto Insurance
  • Bank Statement
  • Social Security number
  • Current Utility Bill for proof of address
  • Current Pay Stubs for proof of income and employment
  • 6 complete references with contact information
  • Down Payment (must be cash or credit card)