For buyers in Florida with limited credit options, "Buy Here, Pay Here" (BHPH) RV dealerships provide a path to ownership by offering in-house financing. This model allows the dealer to act as both the seller and the lender, bypassing traditional bank approvals. The BHPH Mechanism in Florida

: Florida requires these dealers to hold a Motor Vehicle Retail Installment Seller license under Chapter 520, Florida Statutes .

: The dealer places a lien on the RV title until the loan is satisfied. In Florida, lienholders can legally repossess collateral without a court order if they do so peacefully.