by Sammy Hinson - Posted 2 weeks ago
Securing a reliable vehicle shouldn't be out of reach, yet traditional auto financing can feel like a locked door for many with poor or no credit. Enter $99 down auto financing, an option built for real people facing real credit challenges. Whether banks have turned you down or don’t have the credit history to get approved, this low-barrier option could be your ticket to the driver’s seat.
$99 down auto financing allows you to purchase a car with just $99 upfront, making it ideal for buyers who can’t afford a big down payment. These programs are usually offered through in-house financing or Buy Here Pay Here (BHPH) dealerships. That means the dealer, not a bank, finances the loan. You make your payments directly to the dealership.
Low Entry Barrier – Only $99 needed to start the process
Flexible Credit Approval – Accepts bad credit, no credit, or past issues like repossessions or bankruptcies
Quick Turnaround – Get approved fast, sometimes on the same day
Vehicle Variety – Many dealers offer a range of inspected, ready-to-drive used vehicles
Credit Rebuilding – On-time payments can help improve your credit score over time
Most dealerships make this program available to:
Buyers with steady income (pay stubs or bank statements)
People with proof of residence (utility bills or lease)
Drivers with a valid government-issued ID
Buyers with insurance or the ability to get insured
You don’t need good credit. Many customers qualify even if they’ve been recently turned down elsewhere.
Apply Online or In-Person
Most dealers like Car City Central offer an easy credit application.
Get Pre-Approved
You’ll typically get a response in minutes—no hard credit pull required upfront.
Bring Required Documents
Proof of income, address, ID, and references.
Choose a Vehicle
Use the Inventory Search tool to find your match.
Drive Off
Sign the paperwork and leave it in your new vehicle—often on the same day.
Know Your Budget – Use tools like the Loan Calculator to understand what you can afford.
Don’t Delay Insurance – Have proof ready to go so you can drive off immediately
Ask About Warranties – Many vehicles come with limited coverage; ask what’s included
Verify Reporting – Make sure your payments are reported to credit bureaus for credit-building
Car City Central specializes in helping buyers with poor or no credit history. They offer:
A wide range of quality-inspected inventory
A commitment to second-chance financing
1. Can I get approved with no credit history?
Yes! $99 down auto financing is designed for buyers without established credit. Approval is based on income and stability, not your FICO score.
2. Does this program only require $99 upfront?
Yes. In most cases, that’s all you need to get started. Some dealers may require additional fees at signing, so always clarify the full cost breakdown.
3. Will my payments be reported to credit bureaus?
Yes, at reputable dealerships like Car City Central. This is one of the most significant benefits of in-house financing for credit rebuilding.
4. What kind of vehicles are available with $99 down?
You’ll typically find reliable used cars, trucks, and SUVs that have passed inspection. View the current inventory here.
5. What if I’ve had a recent repossession or bankruptcy?
Many customers with past credit challenges—including recent bankruptcies—still get approved. The key factors are current income and stability.
$99 down auto financing isn’t a gimmick—it’s a practical solution for real people facing real credit obstacles. With minimal money down, fast approvals, and the opportunity to rebuild your credit, this program opens doors where others shut them. And with Car City Central, you're not just another credit score—you're a valued customer with a path forward.
Welcome to Car City Central—your go-to destination for $499 down used cars, fast credit approvals, and subprime auto financing in Conway, South Carolina, and Calabash and Whiteville, North Carolina. Whether you’re dealing with bad credit, no credit, or rebuilding with new credit, we make car ownership fast, simple, and affordable for buyers from Myrtle Beach, SC, Fayetteville, NC, and the surrounding areas.
Our extensive used car inventory includes quality-inspected vehicles from trusted names like Chevrolet, Ford, Dodge, GMC, Hyundai, Jeep, Kia, Nissan, Toyota, and Volkswagen. Every vehicle we sell goes through a 150-point inspection, so you can drive with confidence.
Looking for a car but short on cash? With our low $499 down payment program, we help you get approved and on the road today. We work with 20+ lenders, including local banks and credit unions, and also offer in-house Buy Here Pay Here options—so your credit history doesn’t stand in your way.
Beyond sales, Car City Central provides ASE-certified auto repair and maintenance at all locations. From routine service to complex repairs, we keep your vehicle running like new. Need temporary transportation? Ask about our affordable vehicle rental options. And if you're looking to upgrade, bring in your current vehicle—we’ll give you a top-dollar trade-in offer.
Come experience the Car City Central difference at any of our three convenient locations:
Whiteville, NC: 3598 James B White Hwy S | ☎ (910) 642-3196
Conway, SC: 2761 East Hwy 501 | ☎ (843) 331-1151
Calabash, NC: 9146 Ocean Hwy W | ☎ (910) 579-1110
We're proud to serve customers from Loris, SC, Shallotte, NC, Little River, SC, Longs, SC, Tabor City, NC, and beyond. At Car City Central, we say yes when others say no—your path to a better vehicle and better credit starts here.
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