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Before you can drive home in your next new car, it's important to think about financing. At Pat Peck Honda, we want to help you explore your options. This article will walk Gulfport, Biloxi, and Long Beach shoppers learn about Buy Here, Pay Here (BHPH) financing and other finance opportunities available.

Discover your path to getting behind the wheel with the best possible loan! Our Honda dealer is here to help every step of the way

Buy Here Pay Here

What is Buy Here, Pay Here?

Buy Here, Pay Here loans are a bit different from conventional financing. In these arrangements, you secure financing through the dealership itself rather than a third-party lender. In other words, you’ll make payments to the dealer either in person or online rather than a bank or credit union.

Many drivers find BHPH loans more convenient; however, it has both pros and cons. Below, we’ll cover the advantages and disadvantages of this method of financing, so you can evaluate BHPH in your unique situation. See whether it makes sense for you!

Pros & Cons of BHPH Loans

For some shoppers, Buy Here, Pay Here financing gives the impression of convenience. You can finance your car the moment you choose it and not have to wait to hear from third-party lenders. You also can avoid having your credit history checked—a possible boon for those with less-than-ideal credit.

However, there’s another way to look at it. Since the dealership is offering you a loan without knowing your credit score, they are taking a risk. You’ll likely see higher interest rates and have restrictions on cars you can shop to compensate for this.

Keep in mind, too, that conventional finance can be quite streamlined and convenient. The dealer can help you shop third-party lenders and compare rates within minutes.

Improving Credit Car Loans

Are We a Buy Here, Pay Here Dealer?

Our dealership does not offer Buy Here, Pay Here loans. We can help shoppers connect with a variety of third-party lenders, though, and find the best available deal for them. We recommend conventional financing for most shoppers due to the lower rates and freedoms involved.

Our finance center is here to help you learn all there is to know about the approval process and answer any questions you may have. From there, you can fill out the finance application at our dealership or online.

Once we have all your information, one of our experts will sit down and discuss your options based on your budget and credit situation. No matter your credit history, we’ll help you score a finance deal that meets your needs. We’ll even share our tips for improving your credit before you apply!

Thanks to years of experience in the industry, we'll be able to use our connections with banks and lenders to secure the terms that are best for you and your budget. That way, you can get the car you want with the auto financing you need.

Contact Us to Learn All About Auto Financing

We hope you learned a lot about Buy Here, Pay Here financing! If you opt for the conventional financing route to snag those lower rates, our team is here to help.

At Pat Peck Honda, we're committed to serving drivers across Gulfport, Long Beach, and Biloxi and providing the automotive financing resources they need, no matter their credit background. If you'd like to learn how we can help you find the financing, contact our team today!

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(866) 499-7987

Monday – Friday8:30AM – 8:00PM
Saturday8:30AM – 7:00PM
SundayClosed

Schedule Service

(228) 679-1919

Monday – Friday7:30AM – 6:00PM
Saturday7:30AM – 4:00PM
SundayClosed

Mobile Collision Center

3025 Government Blvd.,
Mobile, AL 36606

(251) 470-9773

Monday – Friday7:30AM – 5:30PM
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Honda Lease Incentives

2020 Accord Sedan

Offer 1 of 1
$249/month

2020 Honda Accord Sedan 1.5T L4 LX Continuously Variable FWD (CV1F1LEW)

$249/month for 36 months with $2,499 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Closed-end lease for 2020 Accord Sedan Continuously Variable Transmission LX available through 08/31/2020, to approved lessees by Honda Financial Services. MSRP $25,225.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $21,930.80. Total monthly payments $8,964.00. Option to purchase at lease end $14,378.25. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 Civic Hatchback

Offer 1 of 1
$300/month

2020 Honda Civic Hatchback 1.5T L4 Sport Continuously Variable FWD (FK7H4LEW)

$300/month for 35 months with $0 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Available only for residents of AK, AL, AR, DC, GA, HI, ID, KS, LA, MD, MO, MS, NC, OK, OR, SC, TN, TX, VA, WA, WV, WY Closed-end lease for 2020 Civic Hatchback Continuously Variable Transmission Sport available through 08/31/2020, to approved lessees by Honda Financial Services in select states only. MSRP $24,605.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $24,091.81. Total monthly payments $10,500.00. Option to purchase at lease end $15,009.05. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 Civic Sedan

Offer 1 of 2
$270/month

2020 Honda Civic Sedan 2.0 L4 LX CVT Continuously Variable FWD (FC2F6LEW)

$270/month for 35 months with $0 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Available only for residents of AK, AL, AR, DC, GA, HI, ID, KS, LA, MD, MO, MS, NC, OK, OR, SC, TN, TX, VA, WA, WV, WY Closed-end lease for 2020 Civic Sedan Continuously Variable Transmission LX available through 08/31/2020, to approved lessees by Honda Financial Services in select states only. MSRP $21,755.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $21,265.82. Total monthly payments $9,450.00. Option to purchase at lease end $13,053.00. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 Civic Sedan

Offer 2 of 2
$199/month

2020 Honda Civic Sedan 2.0 L4 LX CVT Continuously Variable FWD (FC2F6LEW)

$199/month for 36 months with $2,899 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Available only for residents of AK, AL, AR, DC, GA, HI, ID, KS, LA, MD, MO, MS, NC, OK, OR, SC, TN, TX, VA, WA, WV, WY Closed-end lease for 2020 Civic Sedan Continuously Variable Transmission LX available through 08/31/2020, to approved lessees by Honda Financial Services in select states only. MSRP $21,755.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $21,265.82. Total monthly payments $9,450.00. Option to purchase at lease end $13,053.00. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 CR-V

Offer 1 of 4
$330/month

2020 Honda CR-V 1.5T L4 LX Continuously Variable AWD (RW2H2LEW)

$330/month for 35 months with $0 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Closed-end lease for 2020 CR-V Continuously Variable Transmission AWD LX available through 08/31/2020, to approved lessees by Honda Financial Services. MSRP $27,770.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $24,141.69. Total monthly payments $8,964.00. Option to purchase at lease end $17,217.40. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 CR-V

Offer 2 of 4
$239/month

2020 Honda CR-V 1.5T L4 LX Continuously Variable FWD (RW1H2LEW)

$239/month for 36 months with $2,899 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Closed-end lease for 2020 CR-V Continuously Variable Transmission 2WD LX available through 08/31/2020, to approved lessees by Honda Financial Services. MSRP $26,270.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $25,535.40. Total monthly payments $10,850.00. Option to purchase at lease end $16,287.40. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 CR-V

Offer 3 of 4
$310/month

2020 Honda CR-V 1.5T L4 LX Continuously Variable FWD (RW1H2LEW)

$310/month for 35 months with $0 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Closed-end lease for 2020 CR-V Continuously Variable Transmission 2WD LX available through 08/31/2020, to approved lessees by Honda Financial Services. MSRP $26,270.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $25,535.40. Total monthly payments $10,850.00. Option to purchase at lease end $16,287.40. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 CR-V

Offer 4 of 4
$249/month

2020 Honda CR-V 1.5T L4 LX Continuously Variable AWD (RW2H2LEW)

$249/month for 36 months with $3,099 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Closed-end lease for 2020 CR-V Continuously Variable Transmission AWD LX available through 08/31/2020, to approved lessees by Honda Financial Services. MSRP $27,770.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $24,141.69. Total monthly payments $8,964.00. Option to purchase at lease end $17,217.40. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 Fit

Offer 1 of 2
$220/month

2020 Honda Fit CVT LX Continuously Variable FWD (GK5H4LEW)

$220/month for 35 months with $0 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Closed-end lease for 2020 Fit Continuously Variable Transmission LX available through 08/31/2020, to approved lessees by Honda Financial Services. MSRP $17,945.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $18,017.87. Total monthly payments $7,700.00. Option to purchase at lease end $11,125.90. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 Fit

Offer 2 of 2
$169/month

2020 Honda Fit CVT LX Continuously Variable FWD (GK5H4LEW)

$169/month for 36 months with $2,199 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Closed-end lease for 2020 Fit Continuously Variable Transmission LX available through 08/31/2020, to approved lessees by Honda Financial Services. MSRP $17,945.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $18,017.87. Total monthly payments $7,700.00. Option to purchase at lease end $11,125.90. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 HR-V

Offer 1 of 4
$250/month

2020 Honda HR-V LX Continuously Variable FWD (RU5H3LEW)

$250/month for 35 months with $0 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Closed-end lease for 2020 HR-V Continuously Variable Transmission 2WD LX available through 08/31/2020, to approved lessees by Honda Financial Services. MSRP $22,040.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $19,606.36. Total monthly payments $6,804.00. Option to purchase at lease end $13,664.80. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 HR-V

Offer 2 of 4
$270/month

2020 Honda HR-V LX Continuously Variable AWD (RU6H3LEW)

$270/month for 35 months with $0 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Closed-end lease for 2020 HR-V Continuously Variable Transmission AWD LX available through 08/31/2020, to approved lessees by Honda Financial Services. MSRP $23,540.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $20,265.87. Total monthly payments $6,804.00. Option to purchase at lease end $14,359.40. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 HR-V

Offer 3 of 4
$189/month

2020 Honda HR-V LX Continuously Variable AWD (RU6H3LEW)

$189/month for 36 months with $3,499 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Closed-end lease for 2020 HR-V Continuously Variable Transmission AWD LX available through 08/31/2020, to approved lessees by Honda Financial Services. MSRP $23,540.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $20,265.87. Total monthly payments $6,804.00. Option to purchase at lease end $14,359.40. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 HR-V

Offer 4 of 4
$189/month

2020 Honda HR-V LX Continuously Variable FWD (RU5H3LEW)

$189/month for 36 months with $2,599 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Closed-end lease for 2020 HR-V Continuously Variable Transmission 2WD LX available through 08/31/2020, to approved lessees by Honda Financial Services. MSRP $22,040.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $19,606.36. Total monthly payments $6,804.00. Option to purchase at lease end $13,664.80. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 Odyssey

Offer 1 of 2
$349/month

2020 Honda Odyssey EX 10A FWD (RL6H5LEXW)

$349/month for 36 months with $3,399 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Closed-end lease for 2020 Odyssey 10 Speed Automatic EX available through 08/31/2020, to approved lessees by Honda Financial Services. MSRP $35,910.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $30,959.24. Total monthly payments $12,564.00. Option to purchase at lease end $20,468.70. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 Odyssey

Offer 2 of 2
$420/month

2020 Honda Odyssey EX 10A FWD (RL6H5LEXW)

$420/month for 35 months with $0 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Closed-end lease for 2020 Odyssey 10 Speed Automatic EX available through 08/31/2020, to approved lessees by Honda Financial Services. MSRP $35,910.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $30,959.24. Total monthly payments $12,564.00. Option to purchase at lease end $20,468.70. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 Passport

Offer 1 of 1
$329/month

2020 Honda Passport EX-L 9-speed Automatic AWD (YF8H5LJNW)

$329/month for 36 months with $3,099 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Closed-end lease for 2020 Passport 9 Speed Automatic AWD EX-L available through 08/31/2020, to approved lessees by Honda Financial Services. MSRP $39,530.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $34,827.00. Total monthly payments $11,844.00. Option to purchase at lease end $25,299.20. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 Pilot

Offer 1 of 4
$410/month

2020 Honda Pilot EX-L 6-speed Automatic 4WD (YF6H5LJNW)

$410/month for 35 months with $0 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Closed-end lease for 2020 Pilot 6 Speed Automatic AWD EX-L available through 08/31/2020, to approved lessees by Honda Financial Services. MSRP $41,080.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $34,970.63. Total monthly payments $12,204.00. Option to purchase at lease end $24,237.20. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 Pilot

Offer 2 of 4
$390/month

2020 Honda Pilot EX-L 6-speed Automatic FWD (YF5H5LJNW)

$390/month for 35 months with $0 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Closed-end lease for 2020 Pilot 6 Speed Automatic 2WD EX-L available through 08/31/2020, to approved lessees by Honda Financial Services. MSRP $39,080.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $32,793.79. Total monthly payments $11,124.00. Option to purchase at lease end $23,057.20. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 Pilot

Offer 3 of 4
$339/month

2020 Honda Pilot EX-L 6-speed Automatic 4WD (YF6H5LJNW)

$339/month for 36 months with $3,299 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Closed-end lease for 2020 Pilot 6 Speed Automatic AWD EX-L available through 08/31/2020, to approved lessees by Honda Financial Services. MSRP $41,080.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $34,970.63. Total monthly payments $12,204.00. Option to purchase at lease end $24,237.20. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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2020 Pilot

Offer 4 of 4
$309/month

2020 Honda Pilot EX-L 6-speed Automatic FWD (YF5H5LJNW)

$309/month for 36 months with $3,399 due at signing. Includes down payment with no security deposit. Excludes taxes, titles and fees. For well-qualified buyers.
Expires August 31, 2020

Closed-end lease for 2020 Pilot 6 Speed Automatic 2WD EX-L available through 08/31/2020, to approved lessees by Honda Financial Services. MSRP $39,080.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $32,793.79. Total monthly payments $11,124.00. Option to purchase at lease end $23,057.20. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 12,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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