Buy Here Pay Here Lots And Dealerships For Cars And Trucks In North Carolina

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Having poor credit is not a crime. In today's economy, so many good people find that their credit has suffered a significant down grade because of financial circumstances that they could not avoid. However, even if you have bad credit, you still need a way to be able to make large, necessary purchases. Most people, from time-to-time will need to purchase a vehicle. While you may not qualify for a new car loan, there are a number of Buy Here Pay Here car lots in North Carolina where you can finance a late model vehicle.

Buy Here Pay Here car lots are a little different than traditional dealerships or large used car operations. They are usually individually owned and have a smaller inventory of cars for sale. Where a dealer might have 200 used cars on his lot, these specialty lots usually have more like 25-50 cars available for sale.


Financing a car at a Buy Here Pay Here car lot will cost you more in interest than if you had outstanding credit and could get a loan from a traditional bank. The used car dealer will sell you a car at a higher price than you might pay if you walked in with cash. He does this to protect himself from the risk of you defaulting on a payment.

As an example, suppose you buy a car for $4,000. The dealer may have only paid $2,000 for that vehicle. If he asks for 25% down, or $1,000, then, he only has $1,000 at risk. Once you make a few payments, his entire cost will be covered. Even if you fail to pay as scheduled, he can always repossess the car and then resell it for a substantial profit.

Of course, no one wants to have to resort to repossession and most buyers do pay their car off as scheduled. The customer with poor credit gets a nice, newer model vehicle and affordable monthly payments and the dealer sells cars and makes a good profit. In essence, it is a win-win situation for both buyer and seller.

You can find Buy Here Pay Here car lots throughout the State of North Carolina. Look for small, independent car dealers along main roads and highways and stop by and ask if they do their own financing. Be honest and tell them your situation and 9 times out of 10 they will be able to work with you and get you into a decent form of transportation. If and when your financial circumstances improve, you can go back to the new car dealer and get the ride you dream about.


Below is a listing of buy here pay here programs at car lots and dealerships in North Carolina, that we were told, are currently accepting applications from individuals for a car or truck. Note: This list is to be used as a reference only and we cannot guarantee that you will be approved for a car or truck. Please help us keep this list up to date by emailing us at [email protected] with buy here pay here lots and dealerships in your area. Please include the state and city where they are located.

JD Byrider - Charlotte
7401 South Boulevard
Charlotte, NC
Phone: 704-496-7720

JD Byrider - Charlotte
6835 Albemarle Rd.
Charlotte, NC
Phone: 704-805-1990

JD Byrider - Kernersville
975 Highway 66 South
Kernersville, NC
Phone: 336-423-5990

JD Byrider - Raleigh
5101 New Bern Ave
Raleigh, NC

Sonny's
538 US Highway 321N
Hickory, NC 28601
828-322-4595

1850 Dixon Blvd
Shelby, NC 28152
704-482-9517

403 E Fleming Dr
Morganton, NC 28655
828-584-0686

2080 North Main Street
Marion, NC 28752
828-652-7277

E-Z Way Auto Sales
840 13th Street SW
Hickory, NC 28602
Phone: 828-358-4959

1221 East Main Street
Lincolnton, NC 28092
Phone: 704-498-4183

176 Wilkesboro Blvd
Lenoir, NC 28645
828-394-0000

2012 NW Boulevard
Newton, NC 28658
Phone: 828-358-4958

2109 S. Sterling St.
Morganton, NC 28655
Phone: 828-475-4351

144 W Plaza Drive (Hwy 150)
Mooresville, NC 28117
Phone: 704-498-4182

Quality Cars Of Hickory
920 Conover Blvd.
Conover, NC
877-327-0011

50 HWY 70 SW
Hickory, NC
877-327-0011

Dobbs Motors
5419 Raeford Rd.
Fayetteville, NC 28306
910-424-5265

Car Mart of Greenville
955 Brompton Lane
Greenville, NC 27834
(252) 321-8600

M&M Auto Sales
2595 East 5th Street
Lumberton, NC 28358
Phone: 910-738-2334

Further information and additional lists in many U.S. States on buy here pay here lots and dealership programs can reviewed at Buy Here Pay Here Lots.

The above information was last reviewed in November 2011.