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Buy Here Pay Here Lots in Smithfield, NC

Buy Here Pay Here Lots in Smithfield, NC

Welcome to the ultimate marketplace for BHPH lots in Smithfield, NC! Specializing in a range of top-quality used cars, trucks, and SUVs, these car lots in Smithfield, NC cater to every budget and lifestyle.

Search BHPH Used Cars Near Smithfield, NC

Discover how effortless buying a car can be near Smithfield, NC. Your ideal car is waiting.

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Smithfield Auto Dealers
Deacon Jones Autopark, Inc.
1115 N Bright Leaf Blvd
Smithfield, NC - 27577
25 Vehicles Listed - View Online Inventory
Avg Price: $43,791 | Cheapest: $24,650
Classic Ford
1324 North Brightleaf Boulevard
Smithfield, NC - 27577
59 Vehicles Listed - View Online Inventory
Avg Price: $29,950 | Cheapest: $10,878
Smithfield Auto Dealers

BHPH Car Lots in Smithfield Compared to North Carolina

The average payment for a used car in Smithfield is $613.63 vs $437 across North Carolina. if you're looking for something a little bigger, the price for a SUV in Smithfield is around $29,127.60 compared to a state wide average $28,966 for the most popular vehicle type in North Carolina.

Discover how car prices in Smithfield compare to the wider North Carolina market.
Smithfield, NC BHPH average prices
TypeAvg. PriceAvg. Payment
Car$30,623.22$613.63
SUV$29,127.60$583.66
Truck$45,239.96$906.52
Van$14,488.00$290.31
North Carolina averages
TypeAvg. PriceAvg. Payment
Car$21,832.05$437.47
SUV$28,966.22$580.42
Truck$36,177.54$724.92
Van$29,750.66$596.14
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Cars Under $15,000 in Smithfield, NC

Get the best deal on used cars under $15,000 at Smithfield, NC buy here pay here dealers. Where finding the best used cars under $15K in Smithfield, NC just got a whole lot more exciting.
All Used Cars Under $15,000
2020 Ford Edge
$14,988 - *$300.33 mo
Smithfield, NC - See More Images 40 Images

Smithfield, NC Used Cars Under $20,000

Discover Unbeatable Deals on Used Cars Under $20K at Buy Here Pay Here Dealers in Smithfield, NC - Your Ultimate Destination for Top-Quality Used Cars Under $20,000 Made Effortless.
All Used Cars Under $20,000
2018 Ford Flex
$17,877 - *$358.22 mo
Smithfield, NC - See More Images 40 Images

Smithfield, NC Used Cars Under $30,000

Discover Top-Rated Used Cars, Trucks, and SUVs Under $30K in Smithfield, NC: Browse the Ultimate Collection of Vehicles Under $30,000 in Smithfield, NC Today!
All Used Cars Under $30,000
2022 Jeep Renegade
$22,288 - *$446.61 mo
Smithfield, NC - See More Images 40 Images

SUVs, Cars & Trucks Under $50K in Smithfield, NC

Find the perfect used car under $50K in Smithfield, NC at a local lot with the financing options that best fill your needs. See the best used cars, trucks, and SUVs in Smithfield, NC under $50,000 all in one spot!
All Used Cars Under $50,000
2022 Honda CR-V
$30,878 - *$618.73 mo
Smithfield, NC - See More Images 40 Images

More Car Lots Near Smithfield, NC With In-House Finance Options

The "Buy Here Pay Here" options around Smithfield, NC streamline the car-buying process, making it easy to get a vehicle that's both hogh quality and budget-friendly. Committed to providing the best in value and variety, these car lots near Smithfield, NC stand out for their exceptional inventories.

CROSSROADS FORD OF DUNN-BENSON
1700 WEST CUMBERLAND ST. DUNN, NC
Avg Price: $36,704 | Cheapest: $10,995
64
Listings
DEACON JONES HYUNDAI
304 NORTH OAK FOREST ROAD GOLDSBORO, NC
Avg Price: $27,319 | Cheapest: $15,061
40
Listings
KENLY FORD, INC.
500 SOUTH GARDNER AVENUE KENLY, NC
Avg Price: $42,602 | Cheapest: $18,990
34
Listings
Thompson Buick GMC
2600 Wake Forest Road Raleigh, NC
Avg Price: $38,151 | Cheapest: $28,806
5
Listings
Leith Lincoln
2350 Capital Summit Ct. Brentwood, NC
Avg Price: $32,587 | Cheapest: $8,988
79
Listings
Maximizing Your Experience at Smithfield, NC Buy Here Pay Here Dealerships

Discover the advantages and essential considerations of purchasing a vehicle from a Buy Here Pay Here (BHPH) car lot in Smithfield, designed for buyers with diverse financial backgrounds.

Key Considerations for BHPH Car Buying

Working with a Buy Here Pay Here (BHPH) car lot in Smithfield presents a viable solution for individuals with credit challenges seeking to purchase a vehicle. These dealerships specialize in a type of in-house financing, which typically accommodates buyers who may not qualify for traditional loans. The process simplifies car buying, enabling selection, financing, and payment under one roof.

  1. Understanding Financing Terms: Grasp the details of your loan agreement, including interest rates and repayment expectations.
  2. Vehicle Selection: Choose a car that meets your needs and offers fair market value to ensure a wise investment.
  3. Payment Reporting: Confirm that the dealership reports to credit bureaus to potentially improve your credit score.
  4. Repayment Plan: Understand your payment schedule and ensure it aligns with your financial capabilities.
  5. Dealer Reputation: Research and select a dealership known for fair practices and positive customer experiences.

Navigating the North Carolina BHPH car buying process with informed diligence ensures a rewarding purchase. By prioritizing financing terms, vehicle quality, credit impact, and dealer integrity, buyers can embark on a successful path to vehicle ownership and credit improvement.

Buy Here Pay Here (BHPH) car lots offer direct financing to car buyers, typically those with bad credit. This allows customers to buy and finance their vehicle directly at the dealership, simplifying the purchase process for individuals who might face challenges securing traditional loans.

Financing at a BHPH dealership is streamlined, with the dealership acting as both seller and lender. This means approval rates are higher, but it often comes with higher interest rates and shorter repayment periods compared to traditional financing options.

Advantages of BHPH lots include easier financing approval for individuals with poor credit and the convenience of one-stop shopping for both purchasing and financing the vehicle, offering a solution for buyers who may be turned away elsewhere.

Risks associated with BHPH dealerships include higher interest rates, the possibility of overpaying for a car, and strict repossession terms. It's crucial for buyers to thoroughly review contract terms and understand their financial commitment.

When choosing a BHPH dealership, look for transparent pricing, reasonable interest rates, and positive customer reviews. Also, ensure they report payments to credit bureaus to help improve your credit score.

Buying from a BHPH lot can improve your credit score if the dealership reports your payment history to credit bureaus. Consistent, on-time payments can positively impact your credit history over time.

To prepare for a visit to a BHPH dealership, research the vehicle prices, understand your budget limitations, and have your financial documents ready. Being informed and prepared can help you negotiate better terms.
FAQs & Guides
Guide to Buy Here Pay Here
Explore our easy-to-understand guide on Buy Here Pay Here Car Lots. Learn how they work, their benefits, and essential tips for a smooth car buying experience, even with credit challenges. Perfect for first-time buyers!
Guide to Buy Here Pay Here
Guide to Inhouse Auto Financing
Discover how to navigate in-house financing car lots with ease, regardless of your credit score. This guide provides everything you need to know about working with bad credit car dealers and good credit car dealers, ensuring you make informed decisions.
Guide to Inhouse Auto Financing
Credit Score Leadin Large
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*Based on list price with no money down. 60 months @ 7.5% APR. Excludes applicable taxes.
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