Our process & what to bring to the dealership
At Auto Finance Advantage, our Buy Here Pay Here process is designed to be simple, transparent, and handled locally. Because we provide in-house financing, we make approval decisions ourselves without relying on banks or outside lenders. This allows us to work directly with customers who have bad credit, no credit, or past financial challenges and focus on realistic payment options that make sense.
Whether you are just getting started or ready to move forward, our process is built to save time and reduce uncertainty. From pre-qualification to vehicle selection and final approval, our team helps drivers from Summerville, Charleston, North Charleston, Goose Creek, Mount Pleasant, and surrounding Lowcountry communities understand exactly what is needed at each step.
Step 1: Get Started
Begin by submitting a pre-approval or credit application online, or visit Auto Finance Advantage in person. Pre-approval requires only basic contact information and is designed to get the process started quickly.
Step 2: Review and Pre-Qualification
Our team reviews your information and confirms what is needed to move forward. Because financing is handled in house, we focus on income stability, residency, and affordability rather than credit score alone.
Step 3: Choose Your Vehicle
Once pre-qualified, we help you select a quality inspected used vehicle that fits your needs and your approved payment range. Our inventory includes cars, trucks, vans, and SUVs across a variety of makes and models.
Step 4: Final Approval and Drive
After final details are confirmed, we clearly review payment terms and requirements with you. Once everything is completed, you can drive away with confidence knowing your financing is handled locally.
Step 3: Choose Your Vehicle
Once pre-qualified, we help you select a quality inspected used vehicle that fits your needs and your approved payment range. Our inventory includes cars, trucks, vans, and SUVs across a variety of makes and models.
Step 4: Final Approval and Drive
After final details are confirmed, we clearly review payment terms and requirements with you. Once everything is completed, you can drive away with confidence knowing your financing is handled locally.
How does Buy Here Pay Here work at Auto Finance Advantage?
Auto Finance Advantage provides financing directly instead of using a traditional bank. We approve customers in house, set payment terms locally, and work directly with buyers throughout the life of the loan.
What do I need to qualify for Buy Here Pay Here financing?
Most customers will need a current paystub or three months of bank statements, proof of residency, and proof of insurance. Requirements may vary depending on individual circumstances, and our team will review everything with you.
Can I qualify with bad credit or no credit?
Yes. Our Buy Here Pay Here program is designed to help customers with bad credit, no credit, or prior financial challenges by focusing on real-world factors instead of credit scores alone.
Do you require a credit check to get started?
Pre-approval does not require a credit check. A full review may occur later in the process, but approval decisions are based on overall stability and affordability.
How long does the approval process usually take?
In many cases, the process can move quickly once all required documentation is provided. Our goal is to keep everything clear, efficient, and easy to understand.
Do I need to choose a vehicle before getting approved?
No. You can get pre-qualified first and then select a vehicle that fits within your approved payment range.
Where is Auto Finance Advantage located and who do you serve?
Auto Finance Advantage is located in Summerville, South Carolina and serves customers from Charleston, North Charleston, Goose Creek, Mount Pleasant, Ladson, Moncks Corner, and surrounding Lowcountry communities.
Are the vehicles inspected before they are sold?
Yes. Vehicles are inspected before sale, and our service resources help support inspections and reconditioning to ensure dependable transportation.
How do payments work with in-house financing?
Payments are handled directly through Auto Finance Advantage. Customers can make payments on site or use available electronic payment options for added convenience.
How long has Auto Finance Advantage been serving the Summerville area?
Auto Finance Advantage has been family owned and operated for over 15 years, helping drivers throughout the Summerville and Lowcountry area secure reliable transportation.
