In this model, the dealership underwrites the loan using its own capital. Because they assume more risk, they prioritize over your credit score.

Louisiana has specific regulations governing used car sales and financing to protect consumers: What Is Buy Here, Pay Here Auto Financing? - Experian

: You typically need a valid ID, recent pay stubs or bank statements, and a utility bill to prove residence.

: Most lots offer same-day decisions , allowing you to drive away hours after arriving.