In Oxford, AL , "Buy Here Pay Here" (BHPH) dealerships provide in-house financing directly to buyers, often bypassing traditional credit checks. This model is designed for individuals with poor or no credit who may be denied by traditional banks. In these arrangements, the dealership acts as both the seller and the lender, with buyers making payments directly to the car lot.

Oxford and the neighboring Anniston area host several established BHPH lots: Pressley Auto Sales

Friendly used-vehicle dealership that offers in-house financing (no credit check) and service. Car-Mart of Anniston, Alabama