Sarah, a Brooklyn resident with a rocky credit history, desperately needed a car to get to a new job in New Jersey. She tried traditional banks but was denied, a situation common to many looking for transport. While looking for "used car dealers" on Yelp, she saw the "Buy Here Pay Here" option.

Because the dealer provides in-house financing, Sarah didn't have to wait for bank approvals. She signed the paperwork and made her payments directly to the dealer, often weekly or bi-weekly, sometimes right at the same Brooklyn location.

Here is an informative story on navigating this path in Brooklyn. The Brooklyn Scene: A Tale of Two Cars