"In House" financing in most cases refers to the dealer also acting as the lender. Also known as "Buy Here Pay Here ", medyo lax ang credit criteria ruling nila pero in turn they yield to a higher interest rate and you have to watch out for that, bring an accountant if need be, before signing any document. if your credit standing is good naman, bakit di mo na lang pa take-out sa bank? they might offer you a lower rate compared sa car dealer mismo.