Find Quality Used Cars For Sale Near The North Carolina Research Triangle

If you’re a college student who has never bought a car before and you’re contemplating your first used car purchase, you might be wondering what exactly a Buy Here Pay Here car even is. Don’t worry about comprehending any complicated car loan terms, at AutoMax Buy Here Pay Here cars are actually a pretty simple concept to understand.
 
Buy Here Pay Here used car financing is when a car dealership finances the car themselves, instead doing it through a third party, like a bank or a credit union. You may have seen car commercials in the past that used language like “we finance”, “on-lot financing”, “Buy Here Pay Here”, or  “Pay Here Buy Here Cars”. All of these terms boil down to mean the same thing – you make your monthly car payment directly to the dealership instead of to a loan company.
 
Why did we choose to be a Buy Here Pay Here dealership? By handling financing in house at AutoMax, we’re able to offer better car loans to people who ordinarily might not be eligible, like college students with little or no credit, or people who might have been turned down because of bad credit when trying to purchase a vehicle in the past. If this sounds good to you, and you’re thinking, “Where can I find used cars for sale near me?” the answer is right here at AutoMax!

Buy Here Pay Here Lots Offer Prices That Fit A College Budget

At AutoMax we understand the importance of sticking to your monthly budget, and we recognize that college student’s budgets are usually pretty tight. Buy Here Pay Here dealerships are a great option for anyone with limited funds. When you purchase a car from AutoMax, we guarantee you’ll get a good price based on fair market value. Our goal is to get you in the best vehicle possible so you can get to school or work, and everywhere in between, safely. We also make a point to not upsell you with additional purchases. We’re here to work with you, not to overcharge you.

Having Bad Or No Credit Isn’t A Problem

If you’re worried about buying a car with poor credit, don’t be! College is hectic enough – at AutoMax we don’t want you to stress out about having a bad or a low credit score, or maybe no credit at all. When it comes to financing a pre-owned vehicle with us, our goal is to work with everyone who needs a car. Bad credit car loans are our specialty – don’t let your student loan debt keep you from getting the car you need. At AutoMax we are only concerned about your ability to pay back the auto loan.
 
If you went the traditional route of buying a new car at a regular dealership, you would have to take the time to visit multiple showrooms, banks, and credit unions, before finding one that will approve you for a loan. And after all that work you will likely end up paying a high interest rate or getting stuck in a bad credit card loan. By shopping at Buy Here Pay Here car lots, you’ll have your pick of used cars for sale, and by shopping at AutoMax you can rest assured that you’ll be offered used car financing.

It’s A Quick And Easy Process

We have Buy Here Pay Here car dealerships in Henderson and Youngsville, North Carolina, convenient and close to the Research Triangle and local colleges like North Carolina State University, Duke University, and University of North Carolina at Chapel Hill.
 
You can start the quick and easy process of getting approved for your used car loan by filling out the simple credit application located here. After you are approved, you can visit one of our Buy Here Pay Here car lots to begin browsing at a location closest to you. If you’re approved to get on-lot financing with us, you can even drive off the lot in the same day!
 
We have a stress-free purchase process, knowing we only offer used vehicles of the highest quality. You can check out our online catalog where we have hundreds of affordable, reliable, pre-owned cars, trucks, and SUVs for you to choose from. We’re sure you’ll be able to find one that perfectly suits your lifestyle and budget.

Reliable Cars With Warranties And Amazing Extra Benefits

We believe that everyone deserves reliable transportation, and we’re dedicated to making sure we match each customer with the perfect car for them. Every single used car for sale on our lot has passed a rigorous quality inspection. We simply don’t sell cars that can’t pass our multi-point inspection.
 
Anyone who purchases a car at AutoMax gets a great used car warranty included in the purchase price. The warranty is effective for 12 months, or until you have driven 15,000 miles, whichever comes first. This generous warranty eliminates any worry about having to pay full price for potentially expensive car repairs in the future. You can check out the full list of what an AutoMax warranty can cover here.
 
In addition to our great warranty, buying a used car for sale at AutoMax will also get you these AMAZING cost-saving benefits:

• FREE oil changes at one of our preferred shops in Henderson, Youngsville, Creedmore, or Raleigh, North Carolina – up to four oil changes per year, while you pay back your Buy Here Pay Here car loan
• A rental car while your vehicle is being repaired
• 24-hour towing service for breakdowns within the Raleigh-Durham region of North Carolina through American Towing and Recovery

Trusted Dealership Conveniently Located Near Local Colleges

Buying a used car can be scary, especially if you’re also paying for tuition, books, and room and board. No one wants to purchase a vehicle that ends up surprising them later with unexpected, and expensive, mechanical problems. At AutoMax you can place your trust in us because our mission is to sell cars to people who are struggling to find an affordable, reliable car due to their credit history. We believe that everyone deserves reliable transportation, and we’re dedicated to going the extra mile for you! We’re just a short drive away from the Research Triangle. So, whether you’re in school at the University of North Carolina at Chapel Hill, Duke, N.C. State, North Carolina Central University, Meredith College, or any of the many other colleges in the Raleigh Durham area, we have a used car for sale near you!

Helps Build Your Credit Score

Getting a Buy Here Pay Here car with us can even potentially help improve your credit score! If you consistently make payments on-time, we will be happy to report this positive behavior to one, or more, of the major credit reporting agencies. This can help you rebuild your credit score from all those student loans, and help you to secure a more stable financial future. 

Where Are Buy Here Pay Here Cars Near Me?

We have two convenient locations:

AutoMax of Henderson, NC
519 North Garnett St.
Henderson, NC 27536
(252) 430-1006
 
AutoMax of Youngsville, NC  
512 US Hwy 1
Youngsville, NC 27596
(919) 570-1107
 
Call us or send a message to one of our dealerships to get started today!

Buy A Great Used Car, Even With Bad Credit In Durham And Raleigh, NC

At AutoMax we understand how hard it is to live without a vehicle, it’s nearly impossible! Are you asking yourself, “Where are used cars for sale near me?” We have the answer – right here at AutoMax! It’s our mission to get you into a car today! Don’t worry if you’re buying a car with poor credit, we work hard to extend financing to all customers, regardless of their creditworthiness. We offer loans to everyone, even those with a bankruptcy, charge-off or repossession in their past. Instead of worrying about former credit issues, we focus on what’s possible for the future, and how we can help you make your life better with a quality used car.
 
We achieve this by offering Buy Here Pay Here auto financing to residents who live in Raleigh or Durham, North Carolina and the surrounding areas. Are you looking for a used car but have no credit, low credit, or bad credit? Are you a first-time car buyer? Look no further than the Buy Here Pay Here auto financing at AutoMax – it’s made to fit your needs. Never heard of Buy Here Pay Here Cars? It’s basically the same as on-lot financing.

Why Buy From Us?

AutoMax has generously served North Carolina for three decades! Conveniently located near the Research Triangle, we’ve been around this long because we focus on more than just selling you a car. We have a friendly approach to selling vehicles and we want you to find the absolute best used car for your lifestyle and budget. For 30 years our customers have recommended us to family, friends, co-workers, and neighbors because they know we don’t just offer the highest-quality used cars at affordable prices, we also care about developing a relationship with our customers that’s founded on mutual respect and understanding.
 
Our team is invested in your success – that’s why every used vehicle we have for sale already has a great warranty included in the price! We also offer 24/7 towing service for mechanical breakdowns, and a free rental car while yours is in the shop getting repaired. At AutoMax we don’t think of you as just a customer, we think of you as a friend.

Having Bad Or No Credit Isn’t A Problem

At AutoMax we don’t want you to worry about having a bad or a low credit score, or perhaps you have no credit at all. Don’t be worried about buying a used car with poor credit at AutoMax! Our goal is to work with everyone who needs a car. Bad credit car loans are our specialty – our only concern is that you’re able to pay back the auto loan.
 
At a regular dealership, you would have to work with banks and credit unions before you could drive away in your new used car. By shopping at Buy Here Pay Here car lots, you’ll have your pick of used cars for sale, and by shopping at AutoMax you know you’ll be eligible for our great used car financing. All of the cars for sale on our lot are financed, so it’s extremely likely you’ll be approved for your loan, regardless of your credit history.
 
You can start the quick and easy process of getting approved for your car loan by filling out the credit application located here. Once you have been approved, you can visit one of our Buy Here Pay Here car lots to begin browsing at a location convenient to you. We have Buy Here Pay Here car dealerships in Henderson and Youngsville, North Carolina.
 
You also have the opportunity to improve your credit through us. How exactly? If you regularly make your payments on time, we’ll report your good behavior to the credit reporting agencies. This can help boost your credit score and get you started on the path to rebuilding your credit.

Buy Here Pay Here Car Warranties

You’re not dreaming – we include warranties in the purchase price of all of our Buy Here Pay Here cars! We want anyone who purchases a car at AutoMax to get a great used car warranty so they can drive off our lot worry-free. This great warranty takes away any anxiety you might have about not being able to afford expensive car repairs in the future. Our warranty lasts for 12 months, or until you have driven 15,000 miles, whichever comes first, and it covers way more than just the vehicle’s engine and transmission. Our AutoMax warranty can cover; air conditioning and heating components, axle assembly components such as the front, rear, four-wheel, and all-wheel drive, major brake components, cooling system components, electrical components – including the alternator and starter parts, the cruise control computer, ignition module, engine control computer, engine components and certain external engine parts, fuel system components, including fuel injectors, fuel tank, lines and fittings, Hybrid/EV components, steering components, front and rear suspension components, automatic transmission and components, manual transmission and transfer case components, seals and gaskets, including the cylinder head gasket and intake manifold gasket.

We Have A Huge Selection Of Pay Here Buy Here Cars On Our Lot

Our vast selection of inventory includes hundreds of vehicles and dozens of makes and models. At AutoMax our Buy Here Pay Here dealership lot is filled with Ford, Chevrolet, Honda, Toyota, Mazda, Nissan, and many more. All of our cars are put through a rigorous multi-point inspection by our factory-certified technicians before they are put onto our lot. We always make sure each and every vehicle is safe, reliable, and ready for you to drive. Check out our online catalog where we have hundreds of affordable, reliable, pre-owned cars, trucks, and SUVs for you to choose from. We’re sure you’ll be able to find the perfect vehicle that suits your needs and budget.

Benefits Of Buying A Car From AutoMax In Raleigh Or Durham

In addition to our great warranty, buying a used car for sale at AutoMax will also get you some significant cost-saving benefits like:

• Free oil changes at one of our preferred shops in Henderson, Youngsville, Creedmore, or Raleigh, North Carolina. You can get up to four oil changes per year, while you are paying back your Buy Here Pay Here car loan
• A rental car while your vehicle is being repaired by us
• 24-hour towing service for breakdowns within the Raleigh-Durham region of North Carolina through American Towing and Recovery

Where Are Buy Here Pay Here Cars Near Me?

Visit one of our two convenient locations or send us a message to get started!

AutoMax of Henderson, NC
519 North Garnett St.
Henderson, NC 27536
(252) 430-1006
 
AutoMax of Youngsville, NC  
512 US Hwy 1
Youngsville, NC 27596
(919) 570-1107

You Can Qualify For A Bad Credit Car Loan At AutoMax!

What exactly is a Buy Here Pay Here car? Generally, when you purchase a car from a traditional car dealership they pass the contract to an auto lender, who then provides the loan so that you can purchase the car. With Buy Here Pay Here cars, the dealership finances the car themselves. Sometimes called Pay Here Buy Here cars, it’s basically the same thing as on lot financing, which is commonly used in car commercials. Advertisements that say, “we finance”, “on-lot financing”, “Buy Here Pay Here”, and “Pay Here Buy Here”,  all mean the same thing – you make your monthly car payment directly to the dealership.  
 
At AutoMax, Buy Here Pay Here has the same meaning. We help our customers get a car loan directly from us and not through a third party, like a bank or credit union. We operate this way because by handling financing on our end, we are in a better position to offer car loans to people who ordinarily might not be eligible, or who might have been turned down in the past when trying to purchase a vehicle.
 
We are not like other traditional used car dealerships! We are strictly a Buy Here Pay Here car lot. If you need an affordable used car, truck, or SUV, you can trust AutoMax to help you! Our goal is to get you in a better vehicle to get you to work, school, and everywhere in between. We don’t mark-up the cost of our used cars or try to upsell you with additional purchases. If you’re worried about buying a car with poor credit, don’t be! We’re here to work with you, and we understand the importance of sticking to your monthly budget.

Buy Here Pay Here Cars Are Newer Models

Just because we sell Buy Here Pay Here cars, doesn’t mean we only sell older model vehicles. We carry a wide variety of pre-owned cars, vans, trucks and SUVs that are just two to three years old! At AutoMax you can find a vehicle that’s the right fit for you at the right price.

You Can Get A Warranty On Used Cars For Sale

You read that right – we include warranties on all of our vehicles! Anyone who purchases a car at AutoMax gets a great used car warranty included in the purchase price. You can’t beat that! Our warranty is effective for 12 months, or until you have driven 15,000 miles, whichever comes first. A great warranty like this helps you rest assured that you won’t be paying full price for potentially expensive car repairs in the future. Our limited warranty also covers more than just the vehicle’s engine and transmission. An AutoMax warranty can cover:

1. Air conditioning and heating components 
2. Axle assembly components (front, rear, four-wheel, and all-wheel drive)
3. Major brake components
4. Cooling system components
5. Electrical components, including the alternator and starter parts
6. Electronic components, including the cruise control computer, ignition module, and engine control computer
7. Engine components and certain external engine parts
8. Fuel system components, including fuel injectors, fuel tank, and lines and fittings
9. Hybrid/EV components (where applicable)
10. Steering components
11. Front and rear suspension components
12. Automatic transmission and components
13. Manual transmission and transfer case components
14. Seals and gaskets, including the cylinder head gasket and intake manifold gasket

In addition to all those things our great warranty can cover, you will also get:

• Free oil changes while you pay back your Buy Here Pay Here car loan, at one of our preferred shops in Henderson, Youngsville, Creedmore, or Raleigh, North Carolina – up to four oil changes per year
• A rental car while your vehicle is being repaired
• 24-hour towing service for breakdowns within the Raleigh-Durham region of North Carolina through American Towing and Recovery

Wow! You can’t beat that exceptional service!

You Can Buy A Car With Poor Credit

At AutoMax we don’t want you to stress about having a bad credit or a low credit score. Our goal is to work with everyone who needs a car when it comes to financing a pre-owned vehicle. Bad credit car loans are our specialty – we want you to be able to get a safe car without worry! We don’t scrutinize your credit score, we are only concerned about your ability to pay back the auto loan. All of the cars we sell are financed, so it’s very likely you will be approved for your loan. Then you can be on your way to working on rebuilding your credit. At AutoMax we work with you, not against you.

You can start the quick and easy process of getting approved for your car loan by filling out the credit application located here. Once you have been approved, you can visit one of our Buy Here Pay Here car lots to begin browsing at a location convenient to you. We have Buy Here Pay Here car dealerships in Henderson and Youngsville, North Carolina. You can also check out our online catalog where we have hundreds of affordable, reliable, pre-owned cars, trucks, and SUVs for you to choose from. We’re sure you’ll be able to find one that perfectly suits your lifestyle and budget.
 
Getting a Buy Here Pay Here car with us can even potentially help improve your credit score! If you consistently make payments on-time, we will report this positive behavior to one or more of the major credit reporting agencies, which can help you rebuild your credit score and secure a more stable financial future. Improving your credit score can give you more credit opportunities in the future, with lower interest rates and better monthly payments.

Buy Here Pay Here Dealerships Perform Careful Inspections

At AutoMax, we inspect every used vehicle before it even comes on to our lot. Every single vehicle that we have for sale has passed a rigorous quality inspection before we offer it for sale to the public. We don’t sell cars that can’t pass our multi-point inspection.
 
We believe that everyone deserves reliable transportation, and we’re dedicated to going the extra mile for you! For each car we sell, we provide vehicle history reports, title records, odometer history, ownership changes, and even prior accident and salvage information. You can find a car’s report by looking on our website or inside every car on our lot! Reports are also available upon request in our office. On top of that, we offer everyone who buys a vehicle from us an outstanding used car warranty, so your purchase can be worry-free.

Finding Pay Here Buy Here Car Lots Near Raleigh And Durham

Are you ready to own a car you can count on? Are you thinking, “This sounds great, where are there used cars for sale near me?” Look no further than AutoMax because we’re ready to help you find the perfect car! You can browse our inventory online, and then visit us at our Buy Here Pay Here dealership locations in the Raleigh-Durham, North Carolina area to test-drive and buy one of our quality used cars for sale. We’re just a short drive away from the Research Triangle.

Where Are Buy Here Pay Here Cars Near Me?

Check out our locations below. Call or send a message to one of our dealerships to get started today!

AutoMax of Henderson, NC
519 North Garnett St.
Henderson, NC 27536
(252) 430-1006
 
AutoMax of Youngsville, NC  
512 US Hwy 1
Youngsville, NC 27596
(919) 570-1107 

Save Money At Our Used Car Lots In The Research Triangle

Finding a reliable and affordable vehicle under $10K doesn’t have to be difficult. You’ll save lots of money when buying a vehicle at one of Auto Max’s pre-owned car lots conveniently located near Raleigh and Durham, North Carolina. Auto Max is a buy here pay here car dealership that helps you get into a safe, reliable, and affordable vehicle quickly, even if you can’t qualify for financing with a traditional lender, like a bank or credit union.

The Car-Buying Process Is Simple

When it comes to car shopping, Auto Max is here to help simplify the process. There are plenty of affordable vehicle options that are currently priced under $10,000 on one of Auto Max’s buy here pay here used car lots in the Research Triangle. The friendly and professional sales team members are invested in helping you find the perfect vehicle that will suit your lifestyle, whether that is a car, truck, van, or SUV.

Most of our clients leave in a new-to-them car the very same day they come to shop for the first time, and you can even speed up that process by applying for online financing pre-approval before you come in to talk to us or take a test drive.

Consider An Affordable Used Toyota Camry For Sale

A mid- or late-2000s Toyota Camry may seem old at first, until you consider that the Camry is one of the longest-lasting vehicles on the road today. Find a Camry of your very own at one of our buy here pay here car dealerships in Henderson or Youngsville.

Most commonly, the Toyota Camry of this age comes standard with basic features like anti-lock brakes, cruise control, power locks and windows, airbags, and more. They are a front-wheel drive car, making them a reliable companion for driving in rain or snow. You can easily find a Toyota Camry on a $10,000 or less budget right here in North Carolina.

Buy A Used Chevy Cobalt In North Carolina

The Chevy Cobalt replaced the Cavalier, but kept its sporty lines and great fuel economy. A used Chevy Cobalt with an automatic transmission often costs less than $10,000 and comes in a variety of colors.

The Cobalt was created for convenience and comfort, so newer versions are equipped with anti-theft systems, a variety of safety features, including airbags throughout the interior, child locks, auto-on headlights, traction control, and more. These small cars come in both four-door and two-door options, making them the perfect choice for a daily driver, a college vehicle, or a second family vehicle.

Find A Pre-Owned Chevy Impala For Sale Near You

The Chevrolet Impala is known for its comfort and quality, and you’ll find some of these desirable used cars right here at Auto Max. These roomy cars come equipped with just the right amount of horsepower under the hood, and even the lowest trimlines come with a long list of standard features, including power mirrors, satellite radio, and much more.

For a professional, luxe-looking car at a reasonable price, the Chevy Impala can cost you less than $10k when you buy one from one of our buy here pay here car lots near Raleigh and Durham. 

Drive Off In A Ford Fusion Near Chapel Hill

The Ford Fusion was only recently discontinued when Ford Motor Company changed its business strategy to only producing trucks and SUVs. So, if you’re wanting to drive a Fusion, now is your chance to find a quality used car for sale.

An automatic transmission and front-wheel drive come standard, and despite its midsize sedan size, it gets excellent gas mileage with its four-cylinder engine. Some Fusion sedans with a higher trimline, include features like leather seats, power drivers’ seats, and a sunroof. If you’re a frugal shopper, you can find a Fusion with features you love at a price that you can afford, especially at Auto Max in North Carolina, where all our vehicles are carefully inspected before we ever offer them for sale.

Get Incredible Gas Mileage In A Used Chevy Sonic Car For Sale

If fuel economy is your number one priority, then you should consider an economy car, like the Chevrolet Sonic. They come in a sedan style or hatchback style, so you can find one to meet your needs without spending a lot of money. When you first see a Sonic in person, the first word that will come to mind is “cute”! And these little cars totally are cute – but also a smart investment.

Thanks to their efficient engines, small size, but sleek styling, the Sonic is a great choice for college students, commuters, or those who like to stick to a budget. A used Chevy Sonic is an incredible value; Auto Max can help get you into one, with a warranty, today.

Pack The Whole Family Into A Used Chevy HHR SUV

If you can’t make up your mind between a small SUV or a hatchback sedan, the Chevrolet HHR gives you the best of both worlds. They’re technically considered SUVs, but they get gas mileage the equivalent of many sedans. Add front-wheel drive to the mix, and you’ll feel safe and secure on the road ahead, even during inclement weather.

Fit your whole crew inside the spacious interior, and enjoy standard features like power doors, windows, and locks; cruise control; anti-theft system; keyless entry; and more. If you want the efficiency of a car, but the usefulness of a much larger vehicle, check out the Chevy HHR, for less than $10,000. 

Affordable Used Cars For Sale Near You

It’s totally possible to find a quality used car for sale for less than $10,000 in Raleigh, North Carolina, or Durham, North Carolina. Our buy here pay here car lots near both these cities always have lots of options for used cars that fit nearly any budget – so visit an Auto Max location today to find one.

Our expert team can approve you for a bad credit car loan on the spot, even when other lenders have turned you down. Come see how we can get you into a better car than what you’re driving now, without ever checking your credit score. Contact us for more information.

Find A Great Deal At Our Used Car Lot In Raleigh And Durham

Buy here pay here cars are an affordable option when you’re in need of transportation. Found at used car dealerships that specialize in in-house financing, purchasing a pay here buy here car doesn’t require a credit check and doesn’t rely on your credit score at all. All you need is a down payment and proof of income to finance an affordable car! 

The down payment you’ll need to pay on a used vehicle depends on the price of the used car, plus whether you’d like to lower your monthly payments with more money down. Take a look at your monthly expenses and budget, and figure out how much you think you can pay toward your vehicle. Keep that number in mind when you visit our used car dealership near Raleigh-Durham, North Carolina.

Saving up for a down payment doesn’t need to be hard. Here are a few ideas we have for you to save up! 

Trade In Your Current Used Vehicle Near Chapel Hill, NC

Are you exploring options at the used car lot because you’re tired of your old vehicle or it’s just not what you need anymore? Maybe you’ve been driving a two-door coupe, but you need to switch to a sedan, or maybe you’re looking to have more independence with a truck. 

Bring your current vehicle in for a trade-in evaluation. Our expert team will take a look at the condition of the vehicle and quickly make you an offer for the trade-in value of your car. Depending on the current condition of your used car, just this trade-in amount could be enough for a down payment on your next buy here pay here vehicle. 

To understand what your current vehicle is worth, and to get an estimate of the trade-in value of your used car, we have a calculator that can help with that. Simply enter the details about your current ride, and our expert sales team will contact you with a quote for the trade-in value we can offer. Getting a quote in advance is helpful for you to understand what to expect in terms of the down payment that you’ll be able to put toward your new-to-you used car for sale. 

Sell Household Items Or Clothing In A Raleigh Yard Sale

Look around your house, peek into the basement, and check out the garage. There are probably plenty of things sitting around that could have enough combined value to help put a down payment on a used vehicle.

Sort through your drawers, bins of “seasonal” clothing, in closets, and under beds. What do you have that you haven’t worn in awhile? Clothing in wearable condition can be taken to resale stores or offered in a yard sale, or sold online on apps like Poshmark or Mercari.

Household items can be sold in person or online as well, and some of the items you have around your house may even post a pretty penny on eBay! Do you have records, vintage furniture, video games, or even retro dish sets that you and your family don’t use? List those products for sale online, then sit back, and wait for them to sell. Or, if you’re in a time crunch, look into local resale shops who may buy items from you on the spot or consignment stores, who will cut you a check for items sold. Depending on the number of things you have to sell, you could come up with a decent amount for a down payment in a hurry!

Pick Up Extra Shifts At Work Or Odd Jobs In The Neighborhood

It’s a tale as old as time. Working more means making more money. It’s not the news you wanted to hear, but it’s the most guaranteed way to help save up for a down payment on a buy here pay here vehicle. 

Ask your boss and your coworkers for extra shifts, or extra projects to take on. In the Research Triangle, chances are you’ll have a coworker looking for an afternoon off that would love to hand over that shift to someone willing to take it. Working additional hours means extra money on your paycheck, and over time, you could save enough for a down payment. 

If you can’t pick up extra shifts at work – maybe you’re on salary, or maybe your boss has enough staff that needs hours to cover all of the shifts – think about the other skills you have that you can put to use around your neighborhood. Maybe you could offer to mow some of the yards in your neighborhood, take on a freelance project with your professional skills, or babysit for a friend. While these extra jobs may not feel like they’re adding up, eventually they will. 

Because pay here buy here cars don’t require a large down payment, anything that you can contribute will help lower your payments in the long run and get you into a better car quickly.

Saving Money For A Down Payment In Chapel Hill, Raleigh, And Durham Can Be Easy

There are plenty of options to make extra money when you’re looking to put together a down payment on an affordable used vehicle in Raleigh, North Carolina. From selling items you own like clothes and household items, trading in your current used vehicle, or working for the weekend to make extra cash, find what works for you and your schedule both. While you don’t need a large down payment, every little bit helps to save up money and put it toward lowering your car payment when you finance through our pay here buy here financing. 

When you think about your options in the Research Triangle area for buying a used car, a buy here pay here car lot could be the right choice for you and your family. With a low upfront investment cost, no credit required, and a payment plan that works with your budget, Auto Max, our trustworthy used car dealership, has options for you. We’ve got minivans, sedans, and more that can fit the immediate needs of your family. And, a buy here pay here dealership can get you driving off in a new-to-you car quickly. We’ll approve and finance your loan on the spot in a matter of a few minutes, so that you can be on your way. 

Browse our full inventory online, then make a plan to visit us in Youngsville or Henderson, just a short, money-saving drive away from you.

Take Advantage Of A Great Deal At Our Buy Here Pay Here Car Lots In North Carolina

Did you know you could pay a small portion of  your down payment on a used car this fall and make a one-time deferred seasonal payment when you get your tax refund from the government? For some people, the idea of coming up with the money to cover the cost of a down payment can be daunting. It always seems like once you’re almost there, you end up with an emergency that dries up the money you saved. You’ve come to rely on your tax refund to cover the costs of the extra things you did without the rest of the year.

Your tax refund can come through for you again, this time in the form of getting you into a nicer, newer car than the one you currently own, if you shop for a used car at AutoMax, where we’re once again offering our Deferred Seasonal Payment Program.

How Much Money Do I Need To Put Down?

If you purchase a vehicle from us between the first of October and the middle of March, we will temporarily waive the down payment on the car you choose, except for just a small portion of your down payment, until after you get your tax refund. When it’s time to prepare your taxes, you can come back in to see us, where we’ll help you file for free, saving you even more money.

You can drive off our lot in a reliable, carefully-inspected used vehicle that fits your budget and your lifestyle, the very same day you visit us in Youngsville or Henderson, just outside of Chapel Hill, Raleigh, and Durham, North Carolina.

When Do I Pay My Deferred Seasonal Payment?

If you participate in our Tax Max program, you pay just a small portion of your down payment today toward your car, except for tax, tags, license, and document fees that we are required to collect at the time of sale. We trust that you’ll pay your one-time deferred seasonal payment when it is due. 

For the upcoming tax year, your deferred seasonal payment will be due to us by the agreed upon date in your contract (usually around the middle of March).

If I Use The Tax Max Program, Am I Limited To Certain Vehicles On Your Used Car Lot?

If you choose to participate in our seasonal special, you are eligible to purchase any vehicle your monthly income qualifies you for on our buy here pay here car lot. There are no restrictions on the car you must buy from us.

With this no-strings-attached payment program, anyone can afford to upgrade their wheels to one that comes with a 12-month or 15,000-miles (whichever comes first) warranty and free oil changes, plus access to affordable comprehensive/collision insurance. You’ll only find all of these at AutoMax.

How Do I Qualify For The Tax Max Program?

Many people will qualify for our deferred seasonal payment program. Here’s how you can get pre-approved to shop for a car with our Tax Max program.

1. Visit us in person! Bring your most recent pay stubs that show tax withholding and year-to-date totals, for each of your employers.
2. Our financial specialists will use the information on your pay stubs to calculate your anticipated tax refund using the Tax Refund Services (TRS) calculator.
3. Based on the amount of your estimated refund, you will pay just a small portion of your down payment, and then make your one-time deferred seasonal payment on the agreed upon date of your contract.

To qualify for this special deal, you must:

• Be a new AutoMax customer.
• Not combine Tax Max with any other special offer.
• Qualify for a bad credit car loan under our standard underwriting guidelines.
• Be receiving an estimated refund of greater than three times the amount of the deferred seasonal payment.
• Pay for taxes, tags, and license fees at the time of your purchase, plus a standard $299 document fee.
• Participate in our program only during the special promotional period, which change yearly.

Tax Max Car Down Payment Example

Let’s see an example of how our Tax Max program works, using our imaginary new customer, Jane.

Jane lives near Raleigh, North Carolina, and is looking to buy a used car. She knows she is approved for financing at AutoMax – because everyone is! – but she needs to make a down payment of $1,000 on the car she wants to buy.

During the Tax Max promotion, Jane sits down with a financial specialist at AutoMax, who calculates that Jane will probably receive a $3,000 tax refund after she files her taxes. This amount is three times the value of the $1,000 down payment on the car she loves.

Jane uses the Tax Max promotion to pay a small portion of her down payment. She makes a note in her smartphone calendar that the one-time deferred seasonal payment will be due when she receives her tax refund. Jane is able to drive away in a nicer, newer car the very same day.

When it’s time to file her taxes, Jane collects her W-2s from each of her employers and other relevant tax documents and comes back to AutoMax for free tax preparation! After her $3,000 refund comes in, she pays her deferred seasonal payment.

If you have questions about the Tax Max Program, contact AutoMax of Henderson at 252-430-1006, or AutoMax of Youngsville at 919-570-1107.

Get An Affordable Down Payment On A Used Car For Sale Near You

Take advantage of our temporarily low down payments through our Tax Max program here at AutoMax, a short drive from the North Carolina Research Triangle and an escape from the big city, where you can get an affordable and reliable car, complete with a year-long warranty, free oil changes, and many more benefits.

And, because AutoMax is a buy here pay here car dealership, as long as you have monthly income, you’ll be approved for an auto loan, without a credit check. Everyone deserves the chance to drive a car they love; take your opportunity here at AutoMax.

Shop our used cars for sale, and visit us in person to take one out for a spin!

AutoMax Can Help If You Live Near Raleigh Or Durham, North Carolina

A low credit score plagues most people at some point in their lives. The good news is that credit scores are not permanent, and there are things you can do to improve your score. You’ll find that with a strong credit score, you’re capable of changing your life: it becomes easier and less expensive to get a cell phone plan; you can qualify for a better apartment; and you can use your score to make important future purchases, like a house or condo.

AutoMax specializes in helping people with low credit scores, specifically by getting them into a nicer, newer car that they desperately need and most certainly deserve. Because we work in both the automotive and finance industries, we are here to share some tips about how to improve your credit score. Let’s take a look at how credit scores are calculated, and then review a few ways to improve your bad credit score – including by buying a quality used car with a warranty from our buy here pay here car lot in the Research Triangle.

How Your Credit Score Is Calculated

The “Big Three,” a trio of credit bureaus (Experian, TransUnion, and Equifax), use a special math equation to calculate your three-digit credit score. Each uses their own algorithm, so it’s possible that your credit score will be slightly different for each. The most common scoring model is the FICO score, which ranges from 300 to 850.

What makes your credit score go up for one, will also increase your score at the others, and vice versa; the only thing that changes is how many points it increases or decreases. Most credit bureaus look at things like your debt payment history, how much revolving credit you’re using, how long you’ve had open accounts at financial institutions, and what kind of accounts you have. How often you apply for new credit is also factored into your score.

Even if you have a checkered credit history or a low credit score, it’s very possible that you can increase your number! It takes a little bit of effort and planning, but it’s completely possible; people do it every day.

Pay Down Your Credit Card Debt

If you’ve racked up a credit card bill that you can’t pay off in full each month, then your first goal toward improving your credit score is to pay down that debt. You will need to pay more than the minimum monthly payment to see movement on your credit score.

Your credit card debt accrues interest. It is calculated by using a percentage of what you owe and is tacked onto the balance on your credit card. The higher the principal – the actual amount of money you’ve borrowed against your credit card – the more interest that will accrue. Your monthly credit card payment mostly goes toward the interest, but only a little bit goes toward the principal. As interest compounds, it’s easy to get more and more behind. If you pay more than the minimum amount each month, you are decreasing the principal you owe, which will help decrease the amount of you owe and boost your credit score.

Once you’ve paid off a credit card, don’t close the account! Closing the account can actually make your credit score take a hit because you have decreased the amount of credit you have available in contrast to the amount that you are using. Instead, periodically use the card for small purchases, and pay it off immediately. This will keep the account open, keep you out of debt, and help to make your credit score climb higher and higher.

Make On-Time Payments To Everyone You Owe

It’s so easy to forget to pay a bill, especially with how busy you are: work, school, taking care of your family, spending time with friends, cleaning, cooking… you’re all booked up! But every time you miss a payment or make a late payment toward a bill, you put your credit score at risk, even if your payment is only late by a couple of days.

Making on-time payments toward your credit card, utilities, rent, and more, can help increase your credit score rapidly. Think about how many bills you pay each month. If you paid all of them on time, you’re looking at raising your credit score by multiple points very rapidly!

To help remind yourself to make timely payments, write down your bill due dates on a calendar in your home or on your smartphone. Set aside time each week to verify all your bills are paid. You can also set up autopay on your utility bills, so that the utility company automatically deducts what you owe from your bank account each month, and provides your bill online only. This is a foolproof way to make on-time payments – just make sure you have the money in your bank account.

Dispute Inaccuracies On Your Credit Report

If you’re not sure why you have poor credit because you feel like you’re doing everything right, you should thoroughly read your credit reports from all three credit bureaus to check for inaccuracies. Incorrect information on the reports can result in a lowered credit score.

You’ll want to check that all the accounts on the report actually belong to you. If you find errors, you need to dispute the reports and request a correction. You can request a free credit report each year from AnnualCreditReport.com. You will need to contact each credit bureau separately to dispute errors; visit their websites to learn more.

Fortunately, errors are not usually widespread. They usually occur because a creditor did not report complete information to the credit bureaus. However, this means that if there’s an inaccuracy on one report, there’s likely an inaccuracy on all of them.

Buy A Car From A Buy Here Pay Here Car Lot

If your goal is improving your credit score, you shouldn’t needlessly apply for credit – like a retail store’s individual credit card, for example. However, if there is something you absolutely do need to purchase, then it’s perfectly appropriate to apply for credit.

For example, if you need to buy a used car, but you’re struggling to find a bad credit car loan, you can come to our pay here buy here car dealership near Raleigh, North Carolina, and Durham, North Carolina. AutoMax will finance your vehicle purchase for you, regardless of your credit score, and help you stay accountable to your monthly payments, get affordable insurance, and properly maintain your new-to-you vehicle.

Once you’ve paid off your vehicle, usually over the course of two or three years, you may find that your credit score has gone up, especially if you made all of your payments on time!

How To Get A Bad Credit Car Loan In Raleigh

Qualifying to purchase a used car can be difficult from traditional lenders when your credit score is lower than they require. You might get turned down repeatedly for a car loan – which actually lowers your credit score with each inquiry.

To get a reliable used car despite your credit score, visit AutoMax in Youngsville and Henderson. AutoMax is a buy here pay here car dealership that specializes in helping people with low credit scores afford a vehicle.

Our financial specialists will determine how much you qualify to spend on a vehicle based on your monthly income and budget, and then you’ll only see the vehicles you can afford to buy. You can choose your favorite and drive off the lot the very same day.

Get started on the process by getting pre-approved now, check out our massive selection of used cars for sale near you, and visit one of our two used car lots, conveniently located a short drive from Chapel Hill, Raleigh, and Durham:

519 North Garnett St., Henderson, NC 27536
512 US Hwy 1, Youngsville, NC 27596

Find A Used Car Near You In Raleigh Or Durham

Your current vehicle has one tire in the junkyard, meaning it’s time to buy a new-to-you vehicle. You know you can’t buy a used car from just anyone or anywhere; you want to get a good deal and end up with a reliable ride to get you from point A to point B without issue. But adding a car payment and other related expenses into your monthly budget seems nearly impossible.

Fortunately for you, you can afford to buy a better vehicle and save money on all the related costs that go with it when you buy a used car from AutoMax in North Carolina. Here’s how AutoMax can actually save you lots of money on your car-related expenses.

Get An Affordable Pay Here Buy Here Car Payment That Fits Into Your Budget

At a buy here pay here dealership like AutoMax, we take into account your monthly income and budget before we let you fall in love with one of the great used vehicles for sale on our lots in Henderson and Youngsville. A dedicated AutoMax team member will show you only the vehicles you are confident you can afford based on the money you make each month and your existing obligations. Because of this unique approach to financing a vehicle, you can leave our lot in a car you love, without feeling the financial strain a car payment can put on you.

This process is different from a traditional car dealership, where you tell a pushy salesman what you want, and they force you into upgrade after upgrade until you can barely afford your car payment – if at all. Why do they do this? They get an even bigger commission for every add-on they sell you! In the end, they don’t care if you wind up with an overwhelming car payment. They just want to make the sale, and that never ends well for your wallet.

Sign Up For Inexpensive Car Insurance On Your Used Car

In North Carolina, all car owners are required to have basic auto liability insurance. Cars with loan balances are required to be protected by comprehensive and collision coverage of some kind, too. Basic liability insurance is relatively inexpensive; comprehensive and collision, however, are much more pricey and can cost hundreds of dollars per month, depending on your driving record.

Rather than having to purchase collision and comprehensive insurance coverage, you can sign up for Collateral Protection Insurance, also called CPI, when you buy a used car from AutoMax. CPI is much cheaper than traditional insurance, and your driving record, age, and credit score won’t change the price. For just $89 a month, you can get coverage for your vehicle. Simply pay the premium when you make your monthly car payment – around $20 per payment if you pay weekly, or $41 if you pay bi-weekly. It even comes with an affordable $500 deductible, making it easier to afford repairs to your vehicle after an auto accident.

Reduce How Much You Pay Out Of Pocket For Major Repairs Or Mechanical Breakdowns

Unless you’re purchasing a certified pre-owned vehicle from a traditional car dealership that still has a partial factory warranty with it, you’ll have to pay extra for a used car warranty on any other vehicle you’d purchase. A warranty covers mechanical issues with a vehicle so you don’t have to pay out-of-pocket for certain repairs – usually for the powertrain, transmission, and other major components.

At our buy here pay here car lot near Raleigh, NC, and Durham, NC, you get a 12-month/15,000-mile warranty when you buy a used vehicle from us. It is included in the price of the vehicle, so you know exactly how much you’ll be paying when you purchase the car of your dreams. Should your vehicle break down and require a mechanic’s expertise, you’ll pay only $100 out of pocket as a deductible.

Before you bought a car from AutoMax, the thought of a mechanical issue with the car you were driving was nightmare-worthy. You’d really be out-of-luck without a car; how else can you reliably get to work, school, or other places you need to go? With the AutoMax used car warranty, you can take a deep breath because you know the $100 deductible is much more manageable.

Never Pay For Oil Changes On Your Used Car

Proper vehicle maintenance keeps your car running for a long time. Meticulously-maintained vehicles are more likely to last longer, work better, and save you money! One of the easiest ways to maintain your used car is to get regular oil changes.

Motor oil is responsible for lubricating moving engine parts. Friction causes mechanical failure and breakage, which is expensive to fix! Getting an oil change as often as your vehicle’s owner’s manual recommends is wise to preserve the function of your vehicle. Each oil change usually costs between $15 and $45, depending on where you go and the service you request.

When you buy a buy here pay here car from AutoMax, we cover the cost of oil changes for the duration of your bad credit car loan with us. Every time you need an oil change, drive over to one of our trusted partners and pay nothing out-of-pocket for this service. Our oil changes will save you hundreds of dollars over the time you own your vehicle.

Find A Great Used Car For Sale Near You In The Research Triangle

If you’re reading this, then it’s probably time to buy a nicer, newer vehicle! At AutoMax, you’ll find a variety of vehicles starting at just $7,000, and you’ll never have to worry about whether you’ll qualify for a loan – we have you covered!

Conveniently located in Henderson and Youngsville, just a short drive from any major city in the North Carolina Research Triangle, AutoMax lets you leave the big city and get a great deal on a used car near you. And we know what we’re doing; we’ve been in business for more than 30 years and have a portfolio of thousands of satisfied customers.

Everyone deserves a reliable car – let us help you get one. Learn more about AutoMax and pay us a visit today.

Get An Affordable Down Payment With Max Your Tax At AutoMax

One of the more significant expenses you’ll have in your life is the down payment on a vehicle. While you certainly want a reliable vehicle, many people aren’t too keen on shelling out hundreds of dollars for a down payment. It’s a hard equation to balance – putting down a larger down payment means you may be strapped for cash for quite awhile, but paying a smaller down payment means you’ll ultimately pay more interest, or may have to sacrifice quality for a cheaper car.

The hassle of getting approved for a loan, complex paperwork, and not having a good relationship with the lender can prevent people from getting the financing they need altogether. But there’s an alternative – buy here pay here dealerships are a way to end the frustration, get the cash you need, and drive away in a vehicle that serves you perfectly. And, with AutoMax’s exclusive seasonal program, Tax Max, you can drive off our lots in Henderson, NC and Youngsville, NC for just $89 down!

Because we’re a premier buy here pay here dealership in North Carolina, we can offer you a low down payment car loan by cutting out the middle men from third-party lenders. We’ll finance your new-to-you used vehicle purchase in-house, which gives us the flexibility to offer such a low down payment option. In addition, our tax prep experts are at the ready to help you estimate your tax return on the spot. This means we can help you find the perfect car for your budget for just $89 down, and you won’t be left with payments you can’t make later on. Buy here pay here car lots can offer many borrowers vehicle financing opportunities that they wouldn’t otherwise have with a traditional lender.

Benefits For People With Bad Credit

Many drivers have a history of challenges receiving credit for car loans, and they can sometimes struggle with paying a down payment. Some people have a bad credit history, and other people have no credit history at all. This makes receiving a loan from a traditional lender like a bank or lending service extremely difficult. Not only that, but it can be difficult for a driver to build a relationship with third-party lenders.
 
Buy here pay here dealerships in Raleigh, NC alleviate those issues because we help people with a bad credit history or no credit history at all. At AutoMax, we build strong relationships because we’re not just an entity giving you a loan – we’re also the ones helping you find the perfect vehicle, which builds a level of trust that isn’t established with third-party lenders.
 
Many buy here pay here dealerships, including AutoMax, are designed to specifically work with people who are experiencing struggles with their credit, and many of these dealerships were built to help people in the local community purchase the vehicles they need.

Low Car Loan Interest Rates

Every driver knows that the interest rate they receive on a vehicle purchase will have a significant impact on their financial situation. These interest rates can lead to either lower or higher monthly payments. Most drivers want to get the lowest interest rate possible so that they don’t have a high monthly payment. However, many third-party lenders, like banks and vehicle lending services, cannot offer attractive interest rates to people with a poor credit history or no credit history at all.

Buy here pay here dealerships can usually offer low interest rates to all buyers. This makes them an attractive option for those who want to receive a better interest rate but who may not have the credit rating to receive the best interest rates from traditional lending sources.

Low Down Payment On A Used Car

Not everyone has a chunk of change saved for something as financially significant as a vehicle down payment. Traditional lending sources, like banks and vehicle lenders, might require someone with poor credit or no credit history to make a large down payment in the hopes of recovering their money.
 
Buy here pay here dealerships generally offer lower down payments, and with our Tax Max program, you can drive away with any car for just $89. People who purchase and finance their vehicle from us, and who take advantage of this seasonal program, can ease the stress of being required to make a large cash down payment. This gives you a lot more options when it comes to finding a reliable used vehicle that suits your needs and fits within your budget.

Flexible Car Payment Terms

Every driver knows that when they receive a car loan from a traditional lender, the payment terms are usually set in stone. AutoMax and other buy here pay here dealerships near you offer drivers the ability to negotiate terms that align with their best financial interests. People can negotiate terms based on the loan structure they need, not what a bank wants them to pay. And again, by taking advantage of our seasonal Tax Max program, you can defer payments until you get more cash flow from your tax return.

Quick Car Buying

Traditional lenders require that a borrower supply a lot of paperwork. There is a more exhaustive process towards getting approved for a car loan via traditional lenders. At AutoMax, we can process loans at a much faster pace because our in-house financing experts are the ones doing all the work. This helps you focus on purchasing the perfect vehicle, instead of worrying about supplying loads of documentation.

Drive Away Today For $89 Down

We know that not everyone can meet the stringent terms and conditions imposed by traditional lending institutions, and we believe everyone deserves a reliable vehicle, no matter what their credit looks like. The bottom line is, no matter your credit score or how much money you may or may not have saved up, you can drive off our buy here pay here car lots with any vehicle in our inventory for just $89. You’ll get peace of mind knowing you made a smart buying decision that will be a great investment for years to come. Browse our inventory online to find the perfect car for you, and then come visit us at our Henderson or Youngsville car dealership to drive away with it for $89.

Tips For Starting The New Year Off On The Right Financial Foot

This past year has been full of surprises for us all, and let’s be real – many of them were unpleasant. Thanks to COVID-19, many people have found themselves in a tough spot financially for months. Although the first stimulus package alleviated some of the hardships, as the pandemic has drawn on, it simply isn’t enough for those who still find themselves without a job.

With this economic backdrop in mind, it’s no wonder people are worried about their finances. At AutoMax, we’re always doing our part to try to bring a little peace of mind to our customers. Below, we share some ideas to help you plan for 2021 so you can navigate the uncertain times we’ll likely still be facing well into the new year.

Budget Planning 101

The first thing you need to do is put together a realistic budget to plan your spending. To construct a budget, a good place to start is to review bank and credit card statements so you can see where your money has gone in the past year. You should compile a list of all regular income sources and recurring regular expenses. The good news about the age we live in is there are plenty of free apps and budgeting tools available to help with this. Once you have an idea of where your money is going, you can make more meaningful decisions about where to make spending cuts.

Once you have a budget set up, you should review your expenditures each month to gauge how well you’re sticking to it. This can identify problem areas in your budgeting and allow you to make adjustments to your spending as needed. Remember, budgets don’t have to be set in stone!

Set Up Your Savings

Another thing everyone should do is set up both short- and long-term savings. Many financial experts suggest using a 50/30/20 budgeting plan, which means 50% of your income goes to expenses that are needed, 30% of your income goes to wants, and 20% goes to combined savings efforts. Savings can include things such as savings accounts and/or other long-term investment accounts, such as retirement accounts.

Review Your Debt

If the economic strains from the past year have put you into a situation where you find yourself with a lot of debt, then you should include debt repayment and reduction as part of budget planning.

One thing to consider is to restructure some of your current debt with debt that requires lower monthly payments. This can include refinancing your mortgage, consolidating student loan debt, and re-evaluating your current monthly car payment.

If you want to reduce your car payment to make your dollars go a bit further, then you’re in luck.  AutoMax, North Carolina’s premier buy here pay here dealership, is here to help you get a reliable car for just $89. Even if the economic strains of the year have left you with a less-than-optimal credit score, we’ll work with you to help you make a car buying decision that’s financially smart. We offer top-quality vehicles, and for a limited time, you can take advantage of Tax Max, our seasonal deferred payment program.

Cut Your Spending

You’d be surprised at how many small ways you can eliminate extra spending. With a little will power, those small cuts add up to big savings. Ditch the drive-thru food and start making more meals at home. You’ll cover two new year’s resolutions at once by saving money and getting healthier. Or, even better, buy in bulk and meal plan for the entire month. Just be sure to put perishable items in the freezer so they don’t go to waste. You can also eliminate things like expensive coffee runs (bye bye, Starbucks) and eating out during lunch breaks. Again, all of these are small changes that require minimal effort, but that can make a huge difference to your long-term financial freedom.

Paving The Way For Better Finances In The New Year

Let us help you get on the road to financial recovery in 2021. By saving on car payments, you can put that money elsewhere and pay off your debts faster, or fund your savings accounts more quickly. Regardless of what you plan to use the extra cash for, you can rest easy knowing you have a reliable vehicle that’ll serve you well for the new year and beyond. Shop our online inventory or come see us at our Henderson, NC dealership or our Youngsville, NC dealership.