Find No Money Down Cars Near Me
Find the best no-money-down car options for your financial situation and credit.
New Cars
Our network of car dealerships has a large selection of new cars.
Used Cars
We work with a ton of used car dealers to get you the best financing.
Auto Financing
Want to see what kind of auto loan you may qualify for near you?
Buy Here Pay Here Car Dealerships in Charlotte, NC
If you’ve been turned down for a car loan or just don’t have the cash to buy new or used, you still have options. Buy here pay here car dealerships in Charlotte offer in-house financing that doesn’t rely on your credit score.

Why Buy Here Pay Here Works
- Simple in-house financing regardless of credit
- Qualify with as little as $99 down for a used car in some cases
- No need to apply through traditional banks
- Faster approval, often same-day
- Flexible payment options and easier terms
These dealerships are like one-stop-shops for financing and inventory. If you’ve got proof of income and a valid driver’s license, there’s a good chance you can drive away today—even with bad credit.
What You’ll Need:
- Minimum $1,500/month income
- Valid driver’s license
- Proof of residence
- Basic insurance (sometimes optional at signing)
Ready to take your next step?
Find the best chance on an auto loan in just three simple steps with bad credit or poor credit.