Buy Here Pay Here

Brenner Car Credit is your local "BHPH' used car dealership in Central Pennsylvania. Our goal is to provide drivers, regardless of credit histories, with the opportunity to buy a vehicle and rebuild their credit. That means if you have bad credit or no credit, we're here for you, too! Let us help you find the right car, truck or SUV for you, and the right used car loan & payments. We offer five convenient locations in Mifflintown, Carlisle, Chambersburg, Selinsgrove and Williamsport.

What is "BHPH"?

Learn what a "Buy Here Pay Here" dealership is and the benefits you can expect.

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How Does It Work?

Let us tell you what we need to get started & another step closer to vehicle ownership.

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Why Choose Us?

We want to work with you, not against you, so let us tell you how we do that.

The Brenner Car Credit Way

What is a BHPH "Buy Here Pay Here" Car Dealership?

Buy Here Pay Here or BHPH, are one-stop shop car dealerships. Instead of worrying about third-party lenders - banks, credit unions, and other lending companies, you get your loan and make payments directly where you buy the vehicle.


If you have difficulty qualifying for an auto loan for whatever reason, a Buy Here Pay Here dealership is the perfect place for you. When traditional lenders turn you down, visit Brenner Car Credit in Mifflintown, Selinsgrove, Williamsport, Chambersburg or Carlisle. Our Buy Here Pay Here dealership will help you buy your next vehicle - have bad credit, no credit, or bankruptcy, no problem. While not all BHPH report payment histories to the credit bureau, our dealership reports to Trans Union so making on-time payments will help fix your credit score.

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How Does "Buy Here Pay Here" Work?

Our Finance team knows that anyone can experience financial difficulties that can reduce your credit score. We aren't interested in your credit score, we are interested in giving you a second chance to re-establish your good credit.

Our Buy Here Pay Here in-house financing policy helps ensure we find a way for you to get the car you want, even if you have poor or scant credit. You see, we finance cars based on your current data rather than your credit score.

What We Need From You

  • A recent bank statement
  • Two most recent paystubs
  • Social Security card
  • A piece of mail confirming your address
  • Copy of your lease or mortgage agreement
  • 6 Personal references

We will work with you to identify how long you've worked at your current position, how long you've lived at your current residence, what bills you pay each month and your debt-to-income ratio. Normally, we pull your credit report to help identify and verify this information.

We are geared to helping you succeed paying off your car loan. We always remind you when a payment is due and follow up with you personally if a payment is late. One of our very experienced agents will call upon you to iron out late payments and find the options that work best for you. We report your payments to one of the major credit bureaus to help you rebuild your credit. In every way possible, we work with you, not against you.

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Why Choose Brenner Car Credit?

At Brenner Car Credit, we have over 20 years of experience in the BHPH business and have four convenient locations to serve drivers throughout Pennsylvania. We can have you approved and driving your next vehicle within 24 hours. We have a great selection of affordable, quality used cars, trucks, and SUVs to choose from.

More Reasons to Choose Brenner

  • Tax, tags, & title fees are include in the loan
  • We offer easy payment plans starting as low as $85/week
  • Friendly & knowledgeable staff

Brenner Car Credit knows that monthly payments can be difficult for many consumers, so we use weekly billing to keep each payment low.  Weekly payments range from $90 to $105/week and loan terms are 3.5 to 4 years (182 to 208 weeks). We also know that many of our customers don't have a lot of cash for a down payment. That's why our minimum down payment is only $199, with higher tiers of $499 and $999. Best of all, we roll all the tax, tag and Penn DOT fees into the loan, so you won't be hit with surprise costs.

Get Started

Get started at Brenner Car Credit today, and get one step closer to owning your own vehicle and building your credit. If you have any questions, we encourage you to visit the closest Buy Here Pay Here dealership near you or call our team at (888) 450-7316.
We look forward to meeting and working with you!


    4 Parkside Ct
    Mifflintown, PA 17059

    • Sales: (717) 436-2161
  2. Brenner Car Credit Carlisle

    1819 W Trindle Rd
    CARLISLE, PA 17013

    • Sales: (717) 249-7550
  3. Brenner Car Credit of Mifflintown

    4 Parkside Ct
    Mifflintown, PA 17059

    • Sales: (717) 436-2161
  4. Brenner Car Credit of Chambersburg

    949 Lincoln Way West
    Chambersburg, PA 17201

    • Sales: 717-753-7727
  5. Brenner Car Credit of Selinsgrove

    1899 N Susquehanna Trl

    • Sales: (570) 743-0004
  6. Brenner Car Credit of Williamsport

    2106 Lycoming Creek Rd

    • Sales: (570) 323-3340
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Get in Touch

  • Contact our Sales Department at: (717) 436-2161
  • Monday9:00am-7:00pm
  • Tuesday9:00am-7:00pm
  • Wednesday9:00am-5:00pm
  • Thursday9:00am-7:00pm
  • Friday9:00am-7:00pm
  • Saturday9:00am-2:00pm
  • SundayClosed