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We understand that a reliable automobile is a necessity to making a living for your family, and we're happy to offer on the lot financing (commonly referred to as buy-here, pay-here) in situations where our financing criteria is met or exceeded. We are also happy to work with outside finance companies and banks! 

We also welcome outside financing! If you have a financial institution you are already working with, we are happy to provide them with the necessary documentation. We can also refer you to a financial institution if in-house financing (buy-here, pay-here) is not an option. Please call our office for more details. 



Before your application can be approved, customers must first provide proof of employment or income. For example, check stub(s) from your employer or a statement of benefits will suffice. 

Driver's License

Customers who wish to purchase a buy-here, pay-here unit must have a valid (non-expired) North Carolina driver's license with no restrictions or revocations. 


Proof of Insurance

Currently, we require that all buy-here, pay-here units are fully insured before leaving our lot. North Carolina state law requires liability insurance to be purchased on your vehicle, and we require that comprehensive coverage is carried on the vehicle until the full balance is paid. Once the lien against the vehicle has been released by the seller and you receive the title, it is your choice whether or not to continue carrying comprehensive and collision protection. We require proof of insurance from your agent or company before purchasing any vehicle. 


Down Payment & DMV Fees

We do require a down payment on all buy-here, pay-here units. Our office staff will be happy to discuss the down payment requirement on the vehicle of your choice with you. DMV fees, more commonly known as "tax and tags," are not included in the price of the vehicle or the down payment amount. These fees are set by the North Carolina DMV and we do not charge a documentation fee on top of any DMV fees.


Flexible Payment Schedule

Once your buy-here, pay-here information has been received and approved, our administrative staff will work with you to set up a payment schedule. We are able to set up weekly, bi-weekly, and monthly payment schedules.


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