Buy-Here Pay-Here dealers must be both a licensed motor vehicle dealer (Licensed by the DMV) but also hold a Motor Vehicle Retail Installment Seller license from the Office of Financial Regulation. The license issued for retailers of motor vehicles who finance by installment contract to retail buyers. This license is required by firms that sell and finance automobiles, trucks, trailers, RV’s, motorcycles, and mobile homes.
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Florida Statutes limit the maximum finance charge that a lender can charge a consumer on a car loan, the maximum rate of interest depends on the age of the car, and the length of the loan term.