Have you ever heard the expression “buy here pay here” and pondered if it means a safe place or a wild sea? Let’s go get info and kick some tires. When traditional lenders slam on the brakes, buy here pay here dealerships put themselves squarely in the driver’s seat. People who have trouble with their credit typically discover that these lots let them drive away without having to deal with all the paperwork. Freedom Auto Sales Idaho is one place where shoppers can get a second chance.

The truth is that getting a loan at a regular vehicle dealership can sometimes seem like doing long division backwards while blindfolded. Do your hands get sweaty when someone asks how you did? You’re not the only one. A lot of fine individuals go through tough times, and “buy here pay here” dealers realize that. It’s not a problem; it’s a handshake. They pay for the contract themselves. You don’t have to submit your information to banks or loan offices that are four states away.

But there are some problems, too. What’s the bad news? These places’ interest rates can make the speedometer go up. If you want to qualify easily, you’ll generally have to spend more than you would at a bank. It’s the way the business works: risk costs money. Ask questions if you need to. “How often will I have to pay? Every week or every other week? “Can I pay online, or do I have to bring cash?” These facts are important, just as how far you can go on a tank of gas.

Sometimes the cars in a buy here pay here lot show their history on their sleeves. Expect older models with a few stories to tell. Take your time looking under the hood. If you can, even ask a mechanic to look at it. You should be able to check things out with the sellers—ask them directly.

Let’s take a break for a minute. What happens if something goes wrong in your monthly routine? What if you don’t pay? A lot of buy here pay here contracts include severe conditions. If you don’t pay, the car could be gone faster than cookies at midnight. No one wants to have their things taken back. Before you sign, be sure you understand all the terms.

But here’s the good news: some dealers tell credit bureaus about your payments if you keep making them. That’s a great chance to help your score go up. Always inquire whether they do.

Don’t allow the shiny balloons and wavy flags at the door mislead you. Even if your credit isn’t great, you should still look at all of your possibilities. Inquire about warranties. Find out if the vendor will assist you fix things later. Read reviews—people’s opinions matter a lot.

Some people leave joyful than a dog with two tails, thankful for the chance to do it again. Some people feel like they’re being charged too much. You can make the most of the experience, so be aware, ask questions, and think about your future. If “buy here pay here” is your next stop, take the wheel with both hands and don’t let go.