"Buy here pay here" doesn't always mean the dealer itself is actually doing the financing;  they may simply be receiving payments for a loan company.The only time it would make a difference, most likely, would be if there were something wrong with the car when you bought it, or the dealer's warranty wasn't honored.  There is a legal rule called "holder in due course" which sometimes makes a bank or finance company able to collect even if you have a problem with the seller, although many states don't allow that in some consumer transactions.