Bad Credit Financing

Finding a Bad Credit Car Dealership in North Carolina

We are here to help you find the best bad credit car dealership and get you on the road to success. A good, reliable set of wheels is one of the basics in life, right? You have to have a way to get from point A to point B, whether that’s the office, grocery store, or church on Sunday. If you have a reliable car already, that’s awesome. But if you don’t, it may be time to go shopping. There’s nothing more stressful than driving around in a car that may break down at any moment. That’s no fun.

Okay then, it’s time to go car shopping.

But What Happens If You Have Bad Credit?

inside bhph dealership

Most everyone needs some type of financing to purchase their car. For someone with a bad credit score, the prospect of buying a car can be daunting. Not only do you have to spend time searching around for a car that seems reliable and affordable. You also have to deal with the uncertainty of being able to qualify for a loan. Then there’s the embarrassment that comes with being turned down time and again by traditional lenders because of your credit score. And worst of all, the thought…”Are they going to laugh at me after I walk out?”

A Bad Credit Car Dealership May Be The Answer.

Bad credit car dealerships specialize in working with people that have had credit challenges in the past and are suffering from a low credit score as a result. They make loans to people like you because they know how important it is to have a reliable, safe vehicle. They also know that you’re probably a good person, and your credit score is the result of a few bad decisions in the past. That’s okay. Bad credit car dealers get it. They’ll work with you to get you into a reliable vehicle that you can afford.

Here’s How A Bad Credit Car Dealership Can Work For You.

#1: Fast Pre-Approval Process

Getting pre-approved to buy a car at a bad credit car dealership is typically a very quick and easy process. It can often be done online before you even go to the dealership. Simply answer a few quick questions – usually about your job status, monthly income, and residency – and you get an answer back within minutes. It’s easy and pain free!

The benefit to going through the pre-approval process online ahead of time is that when you walk into the dealership, you’ll already feel secure in knowing that you have already qualified for a vehicle. That takes a lot of the stress out of the car buying process.

#2: In-House Financing

A bad credit car dealership, sometimes called a buy here pay here dealership, handles all the financing approvals and paperwork on site. This includes making the decision about who they make a loan to and who they choose not to loan to. A bad credit car dealership will not limit loans to individuals with “perfect credit” or use formulas to qualify someone as a traditional bank does. Instead, they will listen to your story and help you find the right vehicle for your unique situation using the means you have available. It’s a much more personalized process and helps ensure that you not only get the car you need, but you can afford to fit the payments into your budget, as well.

#3: Great Selection

Bad credit car dealerships usually have a great selection of used cars on the lot at any given time. Most of what you’ll find will be somewhere in the area of 15 years old or less. While 15 years may sound like a lot, these cars don’t make it onto these lots unless they have a lot of life left in them. You’ll find a great selection to choose from and can shop with the confidence that these cars have all been inspected for safety and reliability before ever being offered for sale. Go ahead. Take one for a test drive and see what you think.

Sounds Good. Now How Do I Find A Bad Credit Car Dealership In North Carolina?

Good question!

Bad credit car dealerships are located in pretty much every state in the country. They’ve become very popular over the past decade as car dealers have recognized the need for this type of financing service. According to Experian, about 30% of consumers in the United States have a subprime credit score. That’s a huge market! (Look at it this way – at least you’re in good company.) To serve the needs of consumers like you, bad credit car dealerships have popped up all across the country, including in North Carolina.

Here’s How To Find One Near You:

Look for a dealership with a special finance department or in-house financing.

The terms “special financing” and “in-house financing” are code words for a bad credit car dealership. Listen for those terms when you hear ads on TV or on the radio. Look for them as you drive around town. Wherever you find these phrases, you’ll probably find a bad credit car dealership.

Google It.

What on earth did we do before Google? If you’re looking for a bad credit car dealership in North Carolina, ask Google to show you the locations that are nearest to you. You can Google the phrases, “bad credit car dealership in North Carolina” or “buy here pay here dealership in North Carolina” and see what comes up in the results.

Go To AutoMax.

How about the quick and easy route? Instead of guessing as you drive around town or hoping that Google can figure out a dealership that’s close to home, why not stop in at AutoMax? AutoMax is a bad credit car dealership in North Carolina that serves the Raleigh-Durham metro area, as well as Henderson and Youngsville. These folks have been in the business for nearly 30 years, and they know what they’re talking about. They finance 100% of their loans in-house, and they’ll be happy to talk with you about your unique situation and see what they can do to get you in a reliable used car that fits your budget.