People with bad credit have a hard time getting a car loan. And that makes sense. Consumers with a low credit score are presumed to be a bad loan risk, and traditional lenders like banks and credit unions won’t touch them when it comes to a car loan. Or if they do, the loan comes with an extremely high interest rate which jacks up the payment, making it even more challenging to keep up every month.
Does this scenario sound familiar to you? If so, perhaps you’re in this boat, too. Maybe you’ve had some slip-ups or made mistakes that have hurt your credit history. If so, don’t worry. You do have options!
If You Have Bad Credit And Need A Car, Visit AutoMax!
AutoMax is a bad credit car dealership in North Carolina whose sole mission is to help you get into a new car that you can afford. Our family-owned dealership was started by two brothers back in 1989 who believed that if you treat people right, they’ll keep coming back and referring others. And so far, that’s proven to be the case. We’re still located in our first building in Henderson, NC, and are now operated by the second generation of the family. We’ve since expanded to a second location in Youngsville so that we can better serve customers throughout the state of North Carolina, including the Raleigh-Durham metro area.
Because We’ve Never Strayed From Our Core Values, People Trust Us.
It’s hard to find a bad credit car dealership that you can trust, but that’s what you’ll find when you work with AutoMax. We’re not into just selling you a car. We want to get to know you. We know that if you’re visiting us, you’ve probably had some credit challenges. That’s okay! We work with bad credit situations every day. We want to know more about your situation so we can help you choose a car that’s right for your needs and that fits your budget, too.
There are tons of reason to work with AutoMax. Here are just a few.
#1: AutoMax Is A Bad Credit Car Dealership
Yes, that sounds a little strange, doesn’t it? Why would we start with that as a reason to visit? It’s simple. Bad credit car dealerships are different than traditional car dealerships. The goal of a bad credit car dealership is to help people with bad credit get back on their feet. Bad credit car dealerships in North Carolina are plentiful, but not all of them operate the way AutoMax does. We take the stress and guesswork out of getting a car loan by handling the process for you. We finance 100% of our customers’ loans in-house and have the flexibility to provide you with loan terms that fit your financial situation. We know that folks with a bad credit history often feel pretty beaten down. We want to work with you to get you back on your feet again.
#2: Quick Process
Our loan approval process is quick and easy, and in fact, you usually get an answer back within minutes. Simply fill out a short form (either online or in our dealership), answer a few questions, and you’ll know whether you can go car shopping or not.
Once you’ve been approved, you’ll need to bring three items to the dealership with you:
- Two recent pay stubs
- A current utility bill
- A valid North Carolina or Virginia driver’s license
That’s it! Pretty painless, right?
#3: Inventory
You like having choices, right? AutoMax gives you plenty of those. We sell only the best and most reliable pre-owned vehicles on the market. All our vehicles have been thoroughly inspected by licensed technicians and have been given the thumbs up before we put them on our lots. We know it’s important to be able to depend on your car to get where you need to go on time and without hassle.
#4: Making Your Monthly Loan Payment Is Convenient
We know you’re busy with a job, a family, and a social life. Sometimes time just gets away from you and before you know it, you’re late on a payment. That may even be how you got into this bad credit situation to begin with. At AutoMax, we want to help you succeed at rebuilding your life. That includes giving you tools to help you make your loan payments on time every month. At AutoMax, you can always make your loan payment in person at one of our dealerships, and we love it when you do because we like catching up with our customers! But you can also make your loan payment in several other ways.
- By phone or text
- Electronic payment from your checking account
- Automatic withdrawal on your debit card
- Online through our online payment portal
- Good old snail mail
#5: We Help By Providing You With An Opportunity To Rebuild Your Credit Score
Once you get a car loan from a bad credit car dealership, you’re on your own, right? WRONG! At AutoMax, we don’t stop there. We provide you with the opportunity to rebuild your credit history by reporting your on-time payments to Equifax every month. Many bad credit car dealerships in North Carolina skip this critical step. But it’s essential that the consumer credit reporting agencies know that you’ve turned over a new leaf and are making payments on time now. So we let them know about your good payment history with us. This can help boost that credit score.
Working with a local bad credit car dealership in North Carolina – like AutoMax – puts you in a good position for future success. If you need a new car but have bad credit, stop in today and visit us in Henderson or Youngsville, NC. We’ll take great care of you and help you through every step of the car-buying process. You’ll be back on the road in no time!