How to Qualify for our Buy Here Pay Here Financing

 

How to Qualify for Buy Here Pay Here Financing at Auto Mart

Nashville has changed a lot over the years — and so have the people who call it home. With so many folks moving here from all over the country, the old way of doing Buy Here Pay Here financing doesn’t always fit real life anymore. At Auto Mart, we’ve adapted our process to meet today’s Nashville and the people who make it what it is.

Your Life Isn’t a Checkbox — and Your Financing Shouldn’t Be Either

In the past, Buy Here Pay Here dealers (including us) often required a full year on the job or a long time at your residence before approving financing. But with so many people transferring within the same company or changing jobs inside their industry, it’s common today to see someone with 1–3 months at a job who is still completely stable and reliable.

Instead of instantly saying “no,” we’ve changed our approach.

Now, there is no minimum job time requirement.
There is no minimum residency requirement.

We simply want to have a conversation with you.

Real People Making Real Decisions

This is where we’re different from many Buy Here Pay Here dealerships in Nashville.

A lot of dealers take your application, feed it into an automated system or AI bot, and whatever the computer spits out is the final answer. There’s no conversation. No understanding. No nuance.

At Auto Mart:

• A human reviews your application.

• A human talks to you.

• A human makes the decision.

You’re not a number or a score. You have a story. You have reasons for where your credit is today. And we respect that.  Bad credit or no credit is not the end of your story!

Why We Look Beyond the Credit Score

After decades in business, we’ve learned something important:

A 550 credit score doesn’t mean the same thing for every person.

Maybe yours is low because:

• You had a medical bill insurance didn’t cover

• You’re carrying student loans

• You went through a short period of unemployment

• You got behind years ago but have been stable since

• A divorce or life event threw your finances off temporarily

Your credit score is part of the picture — not the whole story. We take the time to learn the rest.

Locally Based. Family Owned. We Are the Bank.

When you finance with us, you’re not dealing with a national lender or a random third-party bank.

We are the bank.
All decisions are made right here in our Nashville office.

This local, personal approach lets us be flexible when other dealerships can’t.

How to Apply for Buy Here, Pay Here Financing

We’ve made the process simple:

1. Go to our website (automartcars.com) and browse our inventory.

   • At any given time, about 92–95% of our vehicles are listed online.

   • Only cars currently in detail or service won’t be visible.

2. Submit a quick credit application online.

   • This does not mean we automatically run your credit.

   • It simply helps us understand your situation so we can talk through options.

3. We’ll reach out — by phone, email, or text — to have a real conversation.

   • No pressure. No wasted time.

   • In many cases, we can pre-approve you before you ever visit the lot.

4. Come see us.

   • Once you arrive, most customers are in and out in about one hour.

What Makes Our Vehicles Different

Another thing that sets Auto Mart apart is how we build our inventory.

For every single vehicle on our lot, I’ve probably looked at 100 others that didn’t make the cut. While this is frustrating, it is necessary!  Our entire inventory represents thousands of inspections every single month to find the cleanest, most reliable vehicles we can offer under $12,000 (and often under $10,000).

Our typical down payment is around $1,500–$2,000 including taxes and fees — not a gimmick price that changes once you sit down at the desk.

We respect your time, your money, and your trust.

A Chance to Rebuild — Not Just Buy

Our goal is simple:
Help you get a good vehicle and help you build or rebuild your credit.

Many customers finish their Auto Mart loan and move on to new-car stores or big retailers like CarMax because their credit is finally where it needs to be. While it means we may lose a returning customer, it’s the right thing to do — and it’s why our Google reviews are filled with real stories from real people we’ve helped.  We routinely have entire families who have 5-10 vehicles with us over the years because they trust us to do the right thing when the time comes, even though they could go anywhere to get a vehicle.  

In Short

• Find a car on our website www.automartcars.com

• Send us a message or fill out an application

• Have a quick conversation with us

• Come get approved — usually within an hour

It’s simple. It’s human. And it’s worked for thousands of Nashville families since 1963.