Buy Here Pay Here & Auto Financing in NC & VA

Smart Auto Group finances buyers other dealers turn away. Whether you have bad credit, no credit, past bankruptcy, or you're a first-time car buyer, we work with lenders across North Carolina and Virginia — and we also finance in-house at both Smart Chevrolet in Madison, NC and Smart Ford in South Boston, VA. That's real buy here pay here from a full-service Chevrolet and Ford dealership, not a corner lot. Apply online in about 5 minutes to get started — our finance team will guide you on next steps and let you know before any hard credit inquiry is run.

Financing approval, APR, loan terms, monthly payment, and down payment requirements are subject to credit approval, lender requirements, vehicle availability, and other applicable factors.

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Buy Here Pay Here — In-House Financing at Both Rooftops

Buy Here Pay Here at Both Stores

Smart Auto Group is both your dealership and your lender. Our in-house financing team can approve you based on your job, income, and down payment — not just your credit score. On-time payments help you rebuild credit while you drive.

Apply Online in 5 Minutes

Start your auto financing online with our secure credit application. Our finance team will review your information and let you know before any hard credit inquiry is run — no surprises on your credit report.

Serving NC — Greensboro, Winston-Salem & the Triad

Drivers come to Smart Chevrolet in Madison, NC from Greensboro, Winston-Salem, High Point, Burlington, Kernersville, Reidsville, Eden, and across Rockingham County for buy here pay here. Closest full-service Chevrolet dealer that finances in-house.

Serving VA — Danville, Lynchburg & Southside

Smart Ford in South Boston, VA finances buyers from Danville, Lynchburg, Martinsville, Roanoke, Roxboro, and across Halifax County. Real Ford dealer buy here pay here for Southside Virginia.

Bad Credit, No Credit, Second Chance

Bad credit, no credit, past repossession, past bankruptcy, or first-time buyer — we've financed all of it. Both stores work with subprime and second-chance lenders in addition to our in-house program. Good credit, bad credit, or no credit — apply and we'll match you to the best available program.

$500 Down & Zero Down Programs

Ask about our $500 down and zero-down auto financing programs. Available on qualifying vehicles and qualifying applications — not every combination will qualify, but we'll show you the numbers up front and let you decide.

Two Rooftops Serving Drivers Across NC & VA

Smart Auto Group is a family-owned two-rooftop dealership serving drivers across North Carolina and Virginia. Smart Chevrolet is at 4417 NC-704 in Madison, NC — 30 minutes north of Greensboro, 35 minutes northeast of Winston-Salem, and serving Rockingham County, Reidsville, Eden, Burlington, Kernersville, and High Point. Smart Ford is at 1011 Commerce Lane in South Boston, VA — 30 minutes east of Danville, about an hour southeast of Lynchburg, and serving Halifax County, Martinsville, Roxboro, and the Southside region. Both stores finance buy here pay here in-house and work with outside lenders for buyers with all credit backgrounds.

Frequently Asked Questions

Do you offer buy here pay here in Greensboro or Winston-Salem NC?

Yes. Smart Chevrolet in Madison, NC — 30 minutes north of Greensboro and 35 minutes northeast of Winston-Salem — offers buy here pay here in-house financing. Drivers come to us from across the Piedmont Triad because banks and corner lots have turned them away.

Do you offer buy here pay here in Danville or Lynchburg VA?

Yes. Smart Ford in South Boston, VA — 30 minutes east of Danville and about an hour southeast of Lynchburg — offers buy here pay here in-house financing. We regularly finance drivers across Southside Virginia and Halifax County.

Can I get approved for auto financing with bad credit?

Yes. Smart Auto Group finances buyers with bad credit, no credit, past bankruptcy, and past repossession at both Smart Chevrolet in Madison, NC and Smart Ford in South Boston, VA. We work with subprime and second-chance lenders in addition to our in-house buy here pay here program.

Do I need a co-signer to buy my first car?

Not usually. Our first-time car buyer program is designed for buyers with no credit history and doesn't require a co-signer for qualifying applicants. Bring proof of income, proof of residence, and your down payment.

What is buy here pay here financing?

Buy here pay here means the dealership is both the seller and the lender. Smart Auto Group finances buy here pay here in-house at both rooftops, so your approval isn't dependent on outside banks. We report on-time payments to major credit bureaus so you can rebuild credit while you drive.

Will applying for financing hurt my credit score?

Our finance team will let you know before any hard credit inquiry is run on your application. Different lenders and loan programs have different credit-check requirements, and we'll walk you through what to expect so there are no surprises on your credit report.

Do you offer $500 down or zero-down financing?

Yes, on qualifying vehicles and qualifying applications. Not every combination will qualify — ask us about current $500-down and zero-down programs when you apply.