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Looking for used car financing at a local buy here pay here car lot? has relationships with buy here pay here auto dealers in all 50 states. Even if you are dealing with bad credit, no credit, bankruptcy, repossession or foreclosure, we want to connect you to a buy and pay here dealerships near your home. Find BHPH dealers with in-house auto financing and lease-to-own options for almost every credit situation with our help.

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Global Warming and its Effect on Buy Here Pay Here & Credit Scores

A yearly study done by the credit bureau Experian indicates the average credit score for Americans is 673. On average, people in Minnesota have the best credit score average of 704, while residents of Georgia had the lowest with a credit score average of 636. analyzed the top 10 states with the lowest credit scores and the top 10 states with the highest credit scores looking for patterns.

In each case, we looked for a common trend and asked ourselves: "What is the data really telling us?" Did the credit scores have anything to do with political environments? Do Democratic states have higher credit scores than Republican states? Does the work force affect scores? Do unionized work force states have higher scores?

These are just a few of the things we considered when analyzing the data. After more searching through empirical data, we were only able to identify one common trend: climate.

That's right, climate. After spending countless hours collecting readily available data and crunching the numbers, climate was the only data subset consistently tied in with the Experian data. From the data we collected we were able to deduce that in most cases, average credit scores are inversely proportional to the average temperature. It appears the climate has an effect on consumer credit scores as well as buy here pay here dealerships and sales.

Top 10 USA States with the lowest credit scores:

Further research into Google Insights for Search supports our theory: aside from Chicago and Seattle, people in warmer climates overwhelmingly use the internet to search for topics relating to bad credit.

So, how can help? Many people with bad credit cannot get approved for standard auto financing through a bank or dealership to buy a car because traditional lenders have higher standards for approval. This is where buy and pay here comes into play.

We've helped thousands of consumers get connected to local buy here pay here dealerships. We have over 700 buy here pay here used car dealers across the U.S. Save the time and hassle of trying to find somebody that can help on your own. Get started with us today.