Buy Here Pay Here Financing for Bad Credit!
Apply for an auto loan in Smithfield with no hassles. It takes just 3 minutes to complete. Get buy here pay here financing from Smithfield buy here pay here car lots.

Smithfield North Carolina Buy Pay Car Lots

While many of the buy here pay here Smithfield, NC car lots in buypaycarlots.com's network have helped many residents of North Carolina who have bad credit finance a vehicle, there are many more car buyers just like yourself that are looking to better their credit scores and eventually lower interest rates down the road.

Some advantages of Smithfield cheap used cars with low payments from "Tote The Note" Dealers are:

  • - Your approval is not based on your credit scores
  • - These dealership conduct their own financing
  • - The rules and regulations can be no as strict
  • - Second chance auto financing even with bad credit
  • - You work you ride programs based on your income and job time
Believe it or not most buy pay car lots are offering cars with low down payments throughout North Carolina and you can make payments on a weekly or bi weekly basis. These day more and more car buyers that have been turned down at other dealerships, banks and credit unions are going with BHPH car lots. This is because It's also easy to find car dealers that do in-house financing - and these in house financing car lots in NC almost always are located on the main roads of Smithfield. But while there may be advantages, this type of auto loan also has some glaring disadvantages, especially if you want to rebuild your credit.

The Benifits of a Smithfield BHPH Dealer

While the cars at Smithfield, NC buy and pay dealers are affordable, you will have the piece of mind that you are purchasing a safe and reliable automobile. Keep in mind that your goals are as follows you are not only looking for a vehicle but one that fits your budget plan. It is very important that you visit buypaycarlots.com to find low priced used cars lots in your area.

There is one think that you want to keep in mind when you are receiving your second chance auto loans from local Smithfield buy pay car lots. In most cases they might not report your payment history to the credit bureaus. This should not be a draw back because there are many other ways you can start to rebuilding and re-establish your credit while still making all of your auto loan payments on time each month like:

  • - Minimizing your amounts of debt and past due bills
  • - Paying down the balances on your outstanding credit cards
  • - Budgeting your income properly for spending and savings each month

Understanding Your Smithfield Pay Here Buy Here Options?

These dealerships or car lots can go by different names buy here pay here, in house financing, pay here buy here, "bhph" or even tote the note. But no matter what it's called it refers to the ability to get a car loan in Smithfield where the dealer acts as the "in house" lender. Unlike indirect lending, where the car dealer acts as an agent for the banks, in-house lending is direct lending. You will be borrowing money in a sense from the Smithfield auto dealers that you are financing the transportation from.

You also need to know that buying here paying here options are a form of BHPH subprime lending that has been around for many years that not a lot of people know about. In fact, Smithfield "buy here pay here" lending was the first form of subprime car lending in the car buying process. While this type of auto financing lending options may have made sense when it first began, just like the Model T Ford, it has been replaced by programs that are much more advantageous to car buying customers in Smithfield, North Carolina with better credit.

More Car Buyers With Bad Credit Go With Buy Pay Car Lots

The reason more and more bad credit customers can't get financed with a local bank or credit company in Smithfield is because their credit score is too low and they may have had some bumps and bruises on their report. This is why it makes the most sense to go with out network of dealerships because we understand that bad things can happen to some of the best people. It is this way of thinking that led us to helping all of the customer of the great state of North Carolina when other car lots could not. This also give us the pleasure of offering second chance auto loans by of our paying here buying here dealers.

So if you are one of those vehicle shoppers with the dilemma of financing your next pre-owned automobile, you can start the process by applying for a BHPH car loan through BuyPayCarlots.com. Our online Smithfield bad credit car loan service has helped many people that were denied and turned down in the past.

Car buying customers in Smithfield with bad credit can take advantage of the opportunity to drive off our lots in a low-mileage quality used car today. Another advantage of applying with us is that this process eliminates the need to spend hours driving around Smithfield (or further) trying to find the perfect vehicle. Our application is SSL encrypted - this means that your personal information is sent safely to the Smithfield car dealer we will be matching you with. Once submitted, you should hear back from a representative within 24 hours. If not, there is also be a toll-free phone number and email address that will put you in contact with auto financing specialists in Smithfield.

BHPH Used Cars Under $5000

2001 Dodge Stratus
2001 Dodge Stratus
Price: $1,950
Miles: 222,746
Location: MOUNT OLIVE, NC 28365
1997 Ford Mustang
1997 Ford Mustang
Price: $1,950
Miles: 172
Location: MOUNT OLIVE, NC 28365
2000 Pontiac Grand Prix
2000 Pontiac Grand Prix
Price: $1,850
Miles: 205,610
Location: MOUNT OLIVE, NC 28365