List of Best Buy Here Pay Here Smithfield NC Car Dealerships

You need a car to keep your life moving forward. Unfortunately, many of us have been turned down by several auto loans. Is it possible to get auto financing with bad credit and no credit? The answer is yes! It is possible for you to get a car through buy here pay here Smithfield NC car dealerships, regardless of your past credit history.

You may benefit from buy here pay here dealerships if you have bad credit, no credit, and had filed bankruptcy. Though it sounds great, buy here pay here dealerships may give you a very limited choice of vehicle. Most of the available cars are used cars. And it’s not the only downside from in-house financing. You may get higher rate interests, plus other fees. That said, it is still a great alternative to conventional loans.

You may like it:

Tips for buying a car with buy here pay here dealerships

Having a low or bad credit score makes it difficult to buy a car through traditional financing. Buy here pay here dealerships offer easier processes and requirements. Follow these tips for buying a car using in-house financing, so you can get quality vehicles that suit your budget and need.

How badly you need to buy a car

Before deciding to buy a car, take a closer look at your situation. Are you buying a car to support your work and daily life? Or is it more of a luxury item? We recommend only buying a car using buy here pay here if you really need it.

Check your credit report

You may think you have bad credit, but that’s not always the case. It’s better to make sure your credit history first before you go to in-house financing. You can ask for your credit report check once every year from credit bureaus, such as Experian, Equifax, and TransUnion.

buy here pay here Smithfield NC

If your credit report contains errors, request a correction before you shop for a vehicle. It may improve your credit score. Then you can bring your credit report when visiting car lots and discuss your financing options. If your credit score is not so bad, you can bargain for fair interest rates.

Shop around

Don’t assume your bad credit will prevent you from getting a new used car. Bad credit score may be different from one dealer to another dealer. Thus, do your homework by doing some research. Be sure to get offers from several dealers, so you can compare the interest, the choice of cars, and more.

Opt for a shorter loan term

You may think that a lower monthly payment within five years of installments is your best option. But, you should pay attention to the interest rates. A long term loan usually has higher interest rates. It’s better to take a short-term loan with lower interest rates. You’ll save money and pay off your car loan earlier.

Finalize your auto financing before you leave the dealer

There are a few bad buy here pay here dealerships. They may do some cruel tricks to get more money from you. Make sure your loan is approved before you leave the lots with your new car. Otherwise, they will tell you that your approval isn’t approved, and you’ll be charged a higher interest rate.

Make a down payment

Buy here pay here dealerships may require a different down payment based on the car and your financial situation. You should buy a vehicle you can afford, both the down payment and installments. Putting a higher down payment will give you lower interest, and of course, you borrow less.

Buy Here Pay Here Smithfield Dealers

To avoid all the negative sides of buy here pay here we recommend choosing the best only. Fortunately, this type of dealership can easily be found in North Carolina, as well as in South Carolina (read our reviews on buy here pay here in Aiken SC here). Below is our recommendation of buy here pay here dealerships in Smithfield, NC.

DriveTime Used Cars

3628 Capital Blvd, Raleigh, NC 27604

One of the buy here pay here dealerships in Smithfield is DriveTime. They offer a large and diverse selection of used vehicles that best fits your need. You’ll find several known brands like Mazda, BMW, Jeep, and even Cadillac here.

DriveTime also offers tailored buy here pay here Smithfield NC financing, no matter what your credit situation. They will run a credit check, but it’s not the only factor for approval. Besides, the approval process is quick and easy. Plus, you can apply online, and you’ll receive instant confirmation.

Some approved customers will get as low as a 7.9% interest rate. You’ll also get a 30-day or 1,500-mile limited warranty. If you’re not satisfied with the vehicle, they offer a 5-day return guarantee. Plus, you can ask for an auto check history report for free. On top of that, you can trade-in your old car at a fair price.

Capitol Auto of Smithfield

713 S Brightleaf Blvd
Smithfield, NC 27577
Sales: (919) 205-1480
Service: (919) 833-0044

Do you have no credit or bad credit? Worry not! Capitol Auto of Smithfield will help you to get pre-owned vehicles with the best condition and price with buy here pay here Smithfield NC financing. They have many selection vehicles, including Nissan, Hyundai, Lexus, and Chevrolet.

Capitol auto Smithfield offers hassle-free buying experiences with transparency, efficiency, and integrity. You can select your choice of vehicles that suit your budget online or come to their lot. Visit their website for pre-approved in minutes to get the best rate available. Applying for car financing can also be done online.

They’re also willing to buy your old car for a very good price. Your car will be evaluated for overall condition, and they will offer the price after completion. They will need your valid vehicle registration, photo identification, your vehicle’s information, and all keys and remotes for the vehicle.

Smithfield Auto Center LLC

1003 N Brightleaf Blvd
Smithfield, NC 27577
(919) 989-4074

If you’re looking used car, truck, van, or SUV, check Smithfield Auto Center LLC inventory. They have been in the business for over 17 years. You will find reliable and quality vehicles to suit your needs. Choose used cars, pickup trucks, and SUVs from many reputable brands such as GMC, BMW, Ford, Dodge, and many more from their inventory.

They welcome you from Monday to Saturday from 9 AM to 6 PM. Their friendly and experienced team members will help you get the best cars that suit your budget with the available financing. You can apply to buy here pay here financing online with an easy and quick process.

Sauls Motor Inc

304 Fareway Dr
Smithfield, NC 27577

A family-run business for more than 25 years, Sauls Motors Inc offers a variety of financing options. And they specialize in credit challenged auto loan, regardless of your credit. Sauls Motors Inc provides no credit check buy here pay here Smithfield NC.

You can get quality pre-owned vehicles for you and your family at a competitive price. All their team members ensure you’ll get the best car buying experience as easy and enjoyable as possible. Once your application is approved, you can get a down payment as low as 300 USD and a weekly installment starting from 50 USD.

Landmark Auto Inc.

69 NC Hwy 210
Smithfield, NC 27577
(919) 938-2271

No matter what is your credit situation, Landmark Auto Inc.’s auto loan specialists ready to assist with your financing needs. They offer quality used vehicles with fair prices, which you can select from their inventory. Shop for cars, SUVs, and trucks online, and you can stop by for a test drive.

They do thorough and comprehensive inspections, so you’ll find clean title history on all vehicles. You can choose many brands, including Ford, GMC, Chevrolet, and more. Plus, you’ll get free Carfax Reports. For applying, just fill out the credit application online. Once you’ve applied, they will contact you for more details.

TLC Works, Inc

301 N. Brightleaf Blvd.
Smithfield, NC 27577

Don’t have good credit? Well, that should be not a problem! TLC Works, Inc offers in-house financing. And they will help you to get the perfect combination of quality yet affordable vehicle. Just visit their lot or give them a call, so they can arrange and figure out a loan and payment that works for your situation.

TLC Works, Inc has several vehicles you can choose from, including Acura, Chevrolet, Ford, GMC, and Honda. You can browse through their website to see what you want. And you can also apply online for auto financing with an easy process.


Before you sign up for buy here pay here Smithfield NC financing, make sure you weigh your financing options. Plus, take a look at the pros and cons of in-house financing. Getting approved faster is the best benefit you could get from buy here pay here, but please also take note that in-house financing may charge you higher interest rates compared to traditional auto loans.

If it’s the last option, you can do some research to find the best dealerships. You can check online or ask someone you know about their reputation. And it’s recommended to check your credit score. Having a good or excellent credit score can save you money, which you’ll likely get the best interest rate. And you need to remember, only buy a car you can afford, so you won’t have any trouble with the installment!

Similar Article:

Leave a Comment