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by Sammy Hinson - Posted 1 month ago
If you've been turned down by traditional banks or lenders due to a low credit score, past financial setbacks, or simply limited credit history, you're not alone. For many drivers navigating credit challenges, finding the right dealership that truly understands your situation can feel like an uphill battle.
At Car City Central, we believe everyone deserves access to quality vehicles and flexible financing options—no matter what their credit report says. That’s why we’ve designed our process to be as accommodating and efficient as possible, especially for customers who are often searching for solutions similar to Buy Here Pay Here programs.
Buy Here Pay Here (BHPH) typically refers to a type of dealership that acts as both seller and lender, offering in-house financing without the involvement of traditional banks. While Car City Central is not a BHPH dealership, many of our customers come to us looking for similar benefits—fast approvals, flexible terms, and real credit solutions.
We work with trusted lending partners who focus on your current financial stability rather than just your credit score. That means things like income, job consistency, and residence history can carry more weight than a traditional credit review.
Our financing programs are designed to support:
Shoppers with poor or challenged credit
First-time buyers with no established credit
People rebuilding after bankruptcy or divorce
Drivers who’ve been turned down by banks
Anyone needing a second chance at vehicle ownership
If your credit history has made auto financing difficult in the past, we’re here to make it easier.
We streamline every step, so you can apply online and get a quick response—without the long wait times or complicated paperwork you might expect elsewhere.
We offer a wide selection of quality used vehicles—cars, trucks, vans, and SUVs—all inspected and priced with fairness and dependability in mind.
With timely payments, many of our customers see improvements in their credit standing. That’s because we report your payment history to major credit bureaus, helping you get back on track financially.
Everyone’s situation is different, which is why we offer down payment flexibility. Many customers drive off with as little as $99 down—based on vehicle selection and application details.
Myth #1: Cars won’t be in good shape.
Truth: Every vehicle at Car City Central is carefully inspected for quality, performance, and safety before being made available for sale.
Myth #2: Interest rates are always higher.
Truth: While rates can vary, we match customers with finance partners offering fair terms based on real-life situations—not just credit scores.
Myth #3: It doesn’t help your credit.
Truth: Our lending partners report to the credit bureaus. That means every on-time payment you make could be a step toward rebuilding your financial profile.
Getting started is simple:
Need something specific? Use our Vehicle Locator Service or Sell Us Your Car to get the most value for your trade.
1. Can I get approved even with recent financial issues like bankruptcy or foreclosure?
Yes. We work with customers from all credit backgrounds, including those with recent credit challenges.
2. Do you report to the credit bureaus?
Yes. Making your payments on time helps you rebuild credit and improve your financial future.
3. What do I need to bring to my appointment?
Bring a valid ID, proof of income, proof of residence, and a list of five references.
4. What kind of down payment do I need?
You may qualify for low down payment options, starting at just $99 depending on your profile and the vehicle you choose.
5. Are all vehicles inspected?
Absolutely. Our inventory is thoroughly inspected for quality and reliability.
Buy Here Pay Here-style financing options aren’t just for those with perfect credit. At Car City Central, we’re proud to serve the community with auto financing designed for real people—whether you're rebuilding your credit, starting fresh, or simply need a more flexible path to ownership.
Let us help you take the next step. Explore our inventory, apply for financing, or stop by to speak with a team member today.
Welcome to Car City Central—your go-to destination for $399 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.