Lemon laws were designed to protect consumers from being stuck with bad cars. These laws are state-specific, but in most states, the car would have to have a substantial defect, be covered by warranty, and the defect would need to continue after a reasonable number of attempted repairs. The problem is, lemon laws are typically for new cars, not pre-owned ones. Still, some states have taken a stronger stance and enforce a variation of lemon laws for used cars. These states include Connecticut, Massachusetts, Minnesota, New Jersey, New Mexico, and New York. BHPH laws are also emerging. For example, in California, BHPH dealerships must issue 30-day/1,000-mile warranties for used vehicles. In general, buy here, pay here dealership financing is to be avoided. Explore all reasonable alternatives so you stay clear of dealerships that entice car shoppers with their in-house financing. Clearly, plenty of other financing deals are out there that won’t limit you to certain types of cars or charge you an astronomical interest rate. With time and effort, you can improve your financial circumstances and strengthen your ability to obtain an interest rate that won’t drive your finances off a cliff.