Buy Here Pay Here Auto Financing near NC

Applicants in and around NC can get prequalified online for in-house financing at an area buy here pay here dealership.
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NC Buy Here Pay Here Car Dealers
Approval Amount Calculator
Loan Approval Requirements

Getting Financed in NC Has Never Been Simpler



From coast to coast, buy here pay here dealers who offer on-site auto financing have teamed up with our online network so we can get people into a reliable car, even if they have bad credit. If you've suffered because of bad credit, a past bankruptcy or repossession, or you have been told that you do not have enough of a credit history, turn to us. It is our business to approve those who have been told they cannot be approved. This is our mission.

When you complete our simple 2-minute application form online, your request is analyzed by a NC area BHPH dealer in your town who offers the best solution for your needs, based on the information you supplied us. Our goal is to match your credit situation and your automobile requirements with the dealer who is best suited to approve you for the car you need.


To begin the online qualification process, specify your location in the form box at the top of this page. From there you will go to the pain-free application form. After you submit your information and your vehicle requirements, you will be contacted by a specialist who is best-fit to help you.

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Select a credit profile that most closely matches your credit situation
700+   (good credit)
625     (fair credit)
575     (subprime credit)
525     (poor credit)
No credit history
Do not include utilities, and exclude car payment if you plan to trade-in
Rent or Mortgage
Credit Cards
Garnishments
Other Loans
Enter your monthly income amount before taxes are deducted
Monthly Income
$0.00
Begin the approval process
To get an exact loan amount, you will need to enter some more information. It takes about 3 minutes.
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Buy Here Pay Here Application Requirements
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These are the basic minimum loan criteria that most dealer financing programs require:
  • At least $1,500 gross income per month if your credit score is below 625
  • No auto repossessions within the last year, unless included as part of a bankruptcy
  • Financing is for car purchases at our authorized licensed car dealer partners
  • Financing is availble to United States and Canadian Residents over 18 years of age
  • For Chapter 7 Bankruptcy, the 341 Meeting of Creditors must have been completed
  • For Chapter 13 Bankruptcy, Authorization to Incur Debt from the Trustee is required
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