While local dealers like O'Gorman promote stability, the NJ Attorney General’s Office has historically targeted other BHPH operations in New Jersey for deceptive practices.
: Retailers like Crystal Auto Mall in the immediate Dunellen area may offer traditional financing that, if accessible, often has lower long-term costs than BHPH. buy here pay here dunellen nj
: Though located in Irvington, they heavily market to Dunellen and surrounding Middlesex County residents as a "fast and easy" solution for used cars and trucks. While local dealers like O'Gorman promote stability, the
: Some NJ dealers use GPS tracking to disable or find cars for repossession the moment a weekly payment is missed. Local Alternatives and Precautions : Some NJ dealers use GPS tracking to
: Lawsuits in New Jersey have alleged that some BHPH dealers sell high-mileage cars at grossly inflated prices with interest rates as high as 24%.
: They act as both the dealer and the lender ("we are the bank"), meaning approvals are based on steady income rather than credit scores.
: A major concern in the industry is the practice of setting draconian loan terms that lead to high default rates. This allows dealers to repossess and resell the same vehicle multiple times to different vulnerable consumers.
