Drive Smart - Buy Here Pay Here
When banks say no, we say YES!

Experience hassle-free car financing with our Buy Here Pay Here (BHPH) option. Skip traditional lenders and make direct payments to us, unlocking a range of flexible financing solutions tailored to your needs. Discover the simplicity of BHPH financing as we guide you toward owning your dream vehicle.

You do not need to be currently employed to qualify—we proudly work with individuals receiving SSI or disability income as well. You must not be currently involved in a bankruptcy and will need a valid driver’s license, three of your most recent paycheck stubs (or proof of income), a paid phone or utility bill, six references, and a cash down payment. We value your time—most customers can drive away in as little as 30 minutes.

Our calculations are based on your income and all other financial obligations you may have. With that information, we can determine a payment schedule that fits your particular circumstances. That may be weekly, bi-weekly or another plan. Remember, we want to help you any way we can. Unlike traditional car dealerships and banks, we will work with you to examine your current situation and not your past mistakes. So we can figure out a payment plan that you can afford.

💬 Down payments starting from as low as $500!
The exact amount depends on the vehicle price and your credit. A larger down payment can lower your monthly payments and help you pay off your vehicle faster. However, we offer down payments starting from just $750. If you’re unsure about what you can afford, contact us and we’ll walk you through it.

At Drive Smart Autos LLC, you can drive your chosen vehicle home the same day! We’re committed to providing a seamless, efficient process—most customers are on the road within 30 minutes.

Yes! At Drive Smart Autos LLC, we believe everyone deserves a second chance. We provide financing options for all credit types, including bad credit and no credit. Our in-house process is flexible, allowing us to tailor financing to your unique situation.

We may consider your credit history, but our main focus is your current financial stability and ability to make payments. We welcome customers with all credit backgrounds and work hard to find a solution that fits.

Yes, it can! If you choose, we offer the option to report your payment history directly to the credit bureaus. Making on-time payments can help rebuild or establish your credit over time.

Buy Here Pay Here financing is perfect for individuals with credit challenges. We look at your full financial picture—not just your credit score. The process is quick, straightforward, and completed entirely at our dealership. No banks, no third parties—just a simple path to getting you behind the wheel.

Absolutely! Bring your vehicle and a valid title in your name to our dealership. We’ll appraise it and give you an offer on the spot.