Interest rates at used cars buy here pay here dealers vary with the buyer or borrower qualifications. BHPH lenders look at several factors, such as credit score, repayment history, age, and down payment, among others, to calculate interest. High-risk borrowers can expect to pay up to 30 percent APR, depending on the BHPH lot. On the other hand, good-credit buyers with excellent repayment records can pay as little as below 2% interest. Various sources cite the average APR at BHPH car lots slightly over or below 20 percent.