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In many cases a buy here pay here car dealership will charge higher interest rates for cars than you can expect to pay for a credit card, which will result in much higher monthly car payments.  As a result, you may quickly find that the majority of your car payment is going to pay interest and finance charges instead of on the actual car you are purchasing itself. 

Buy here pay here car dealerships tend to charge more money for their cars, because there is no financial institution in which the price has to be approved through for a car loan.  This can place the individual in quite a compromising situation when they really need a car in a hurry.