Car Lots in House Financing Near Me Are you looking for car lots that offer in-house financing? You’re in luck! In this article, we will explore the best car lots with in-house financing options near your location. Whether you have bad credit or no credit, these car lots can help you get the vehicle you need. Let’s dive in! Understanding In-House Financing In-house financing, also known as buy here pay here (BHPH), is a financing option offered by car lots.