Join Buddy & The Credit Boss In The Winner's Circle!

A Buy Here Pay Here dealership provides vehicle financing directly through the dealership instead of requiring every customer to obtain a traditional bank or credit union loan. At Team E-Z Auto, our in-house financing approach allows us to consider your current situation, income, residence, and ability to make payments, not simply a credit score. Financing approval, vehicle availability, down payment, and payment terms will vary by applicant.

Yes. Team E-Z Auto works with people who have bad credit, limited credit, no established credit, previous repossessions, bankruptcy, or other financial challenges. We specialize in helping good people who need a second chance find practical used vehicle and financing options. Complete our online pre-qualification form or visit one of our locations to discuss the options available to you.

The amount needed for a down payment depends on the vehicle you select, your income, your budget, and the financing terms available to you. Team E-Z Auto offers qualifying customers options with down payments as low as 10 percent. Our team will explain your available terms clearly so you can make an informed decision before moving forward.

To help us complete the process efficiently, bring a valid North Carolina driver's license or identification card, your two most recent pay stubs or another acceptable form of income verification, and a recent utility bill or piece of mail showing your name and current address. Additional documentation may be requested depending on your individual application.

Team E-Z Auto reports qualifying customer payment activity to Equifax. Making each scheduled payment on time may help you establish a positive payment history as you work toward your broader credit goals. Credit improvement is not guaranteed and depends on several factors, but responsible vehicle payments can become an important part of your credit restoration strategy.