Buying a car is a major life decision, and securing the right financing can feel like a hurdle, especially if you have less-than-perfect credit. Fortunately, there are options available in North Carolina for individuals seeking car ownership despite credit challenges. If you need help with your credit, download our free guide for removing collections from your credit report.
This article delves into the world of “Buy Here, Pay Here” dealerships, also known as in-house financing dealerships. These establishments offer a unique path to car ownership by providing financing directly through the dealership itself, bypassing the traditional credit check process. This means your past credit history won’t automatically disqualify you from driving away with a reliable vehicle.
While these dealerships offer a valuable service, it’s important to understand the potential differences in terms, interest rates, and vehicle selection compared to traditional dealerships. This article with give you options in the North Carolina car market and find a “Buy Here, Pay Here” dealership that aligns with your needs and budget.
Below are a few options of dealerships across the state of North Carolina where you can find an auto loan without a credit check:
1st Choice Auto Centers
Located in Hendersonville, NC, 1st Choice Auto Center proudly services Western North Carolina drivers and their families by providing a quality selection of used cars, trucks, SUVs, and vans. Looking for a quality used vehicle on a budget? 1st Choice Auto Center is a used car dealer with no credit checks!
https://www.1stchoiceautocenters.com/
Location: 2520 Asheville Hwy, Hendersonville, NC 28791
Hours:
Monday 9:00AM – 6:00PM
Tuesday 9:00AM – 6:00PM
Wednesday 9:00AM – 6:00PM
Thursday 9:00AM – 6:00PM
Friday 9:00AM – 6:00PM
Saturday Closed
Sunday Closed
King’s Mountain Auto Sales
https://kingsmountainautosales.com/
King’s Mountain Auto Sales offers the nicest cars around that you can buy with Easy No-Credit-Check Financing.
Location: 1402 Shelby Rd Kings Mountain, NC 28086
Hours:
Monday 9:00AM – 5:00PM
Tuesday 9:00AM – 5:00PM
Wednesday 9:00AM – 5:00PM
Thursday 9:00AM – 5:00PM
Friday 9:00AM – 5:00PM
Saturday Closed
Sunday Closed
Benchmark Auto Sales, Inc
https://www.benchmarkautosales.com/
Are you looking for a better overall used car shopping experience in North Carolina? Benchmark Auto Sales has an in-house auto financing experience by eliminating the pitfalls of traditional buy-here, pay-here dealerships. They offer a limited powertrain warranty and gap waiver on every vehicle offered, never locking you into long-term contracts, and never allowing you to be trapped by negative equity when financing through them.
Locations
Asheville
1500 Brevard Rd Asheville, NC 28806
Morehead City
5394 Hwy 70 W Morehead City, NC 28557
Winston-Salem
3715 Reynolda Rd Winston-Salem, NC 27106
Raleigh South
480 Hwy 70 E Garner, NC 27529
Hickory Used Car Superstore
The Hickory Used Car Superstore finance department offers available Bad Credit programs and available Bankruptcy Approval programs that all North Carolina customers have access to and can take advantage of. They understand that not everyone has an ideal financial situation, and they do whatever they can to make sure that all their customers have access to the vehicle that they’re wanting, no matter what their credit looks like.
Location: 625 US Hwy 70 SE Hickory NC 28602
Hours:
Monday 8:30AM – 7:00PM
Tuesday 8:30AM – 7:00PM
Wednesday 8:30AM – 7:00PM
Thursday 8:30AM – 7:00PM
Friday 8:30AM – 7:00PM
Saturday 8:30AM – 6:00PM
Sunday Closed
Matthews Motors Clayton
https://www.matthewsmotorsclayton.com/
Matthews Motors Clayton has a range of financing packages that will help you establish or re-establish credit with all three credit reporting agencies. Let their team arrange your auto financing and help find you the car, truck, van or SUV that meets your budget.
Location: 11315 US Hwy 70, W-BusinessbClayton, NC 27520
Hours:
Monday 8:00AM – 7:00PM
Tuesday 8:00AM – 7:00PM
Wednesday 8:00AM – 7:00PM
Thursday 8:00AM – 7:00PM
Friday 8:00AM – 7:00PM
Saturday 8:00AM – 6:00PM
Sunday Closed
Team EZ Auto
Team E-Z Auto offers an in-house financing option where no credit check is needed to get you approved! After selecting the quality certified vehicle that works best for you, all payments are made in-house or online through their secure payment portal. You will need a valid North Carolina driver’s license or ID, your last two pay stubs for proof of income, and finally, a utility bill or similar piece of mail that shows your name and current address.
Location: 3900 Bragg Blvd. Fayetteville, NC 28303
Hours:
Monday 9:30AM – 6:00PM
Tuesday 9:30AM – 6:00PM
Wednesday 9:30AM – 6:00PM
Thursday 9:30AM – 6:00PM
Friday 9:30AM – 6:00PM
Saturday Closed
Sunday Closed
Ride Now Motors
https://www.ridenowmotors.com/
At Ride Now Motors their financing programs can get you behind the wheel of a used car, truck, or SUV – even if you have no credit, bad credit, bankruptcy, collections, or any other derogatory credit. They specialize in the best way to get Charlotte, NC drivers with bad credit into a new set of wheels, fast.
Locations:
5104 Hwy 74 West, Monroe, NC 28110
Hours
Weekdays: 9am – 7pm
Saturdays: 10am – 6pm
Sundays: By Appt Only
13134 Albemarle Rd, Charlotte, NC 28227
Hours
Weekdays: 9am – 6pm
Saturdays: 10am – 6pm
Sundays: By Appt Only
AutoMax
At AutoMax in Henderson, Youngsville, and Wilson, NC, they offer Buy Here Pay Here auto financing to residents who live in Raleigh, NC or the surrounding area. Buy Here Pay Here (BHPH) financing describes the process when customers choose to purchase their vehicle through their in-house financing services, rather than receiving a loan from an outside bank, credit union or finance company. Their customers buy the car and pay for the car at the AutoMax dealership.
Locations
519 N Garnett St, Henderson, NC 27536
Monday 9:00AM – 7:00PM
Tuesday 9:00AM – 7:00PM
Wednesday 9:00AM – 7:00PM
Thursday 9:00AM – 7:00PM
Friday 9:00AM – 7:00PM
Saturday 9:00AM – 2:00PM
Sunday Closed
512 US Hwy 1, Youngsville, NC 27596
Monday 9:00AM – 6:00PM
Tuesday 9:00AM – 6:00PM
Wednesday 9:00AM – 6:00PM
Thursday 9:00AM – 6:00PM
Friday 9:00AM – 6:30PM
Saturday 9:00AM – 2:00PM
Sunday Closed
4711 Nash Street N, Wilson, NC 27896
Monday 8:30AM – 6:00PM
Tuesday 8:30AM – 6:00PM
Wednesday 8:30AM – 6:00PM
Thursday 8:30AM – 6:00PM
Friday 8:30AM – 6:00PM
Saturday 8:30AM – 1:00PM
Sunday Closed