How does buy here pay here work in Greenville?

At a buy-here-pay-here lot the dealership finances you directly instead of sending your application to a bank. Credit matters less and the down payment matters more, because the lot is carrying the risk — so they want money up front and payments they can collect weekly or biweekly, often in person.

How much do you need down at a buy here pay here lot near Greenville?

It depends on the vehicle and on the buyer. The lot is lending its own money, so the down payment is how they manage that risk — there is no single figure, and any site that publishes one is guessing. What each lot does have is a minimum: the least they will take on their cheapest car. Rates run higher than a bank loan, which is the trade for being financed after a repossession, a bankruptcy, or with no credit history.

What do you need to bring to a buy here pay here dealership?

Most lots ask for a driver's licence, proof of income covering the last 30 days, proof of residence, references, and your down payment. Bringing all of it on the first visit is the difference between driving home that day and making a second trip.

EN ES(864) 351-7319

Buy here, pay here lots in Greenville, SC

Q: Can you get a car with bad credit or after a repossession?

Yes. Every lot listed here finances in-house, so no outside lender can decline you. What they look at is your down payment and whether you have steady income, not your credit score. An active repossession is the one thing that usually has to be resolved first.

37 lots inside 15 miles that finance you themselves — no bank, no lender who can turn you down. One call from here reaches any of them.

Eight questions · No credit check · No obligation

Every dot is a lot that finances bad credit in-house.

See all 37 with addresses and phone numbers

Every lot on this list says on its own website that it finances in-house — buy here pay here, no credit check, bad credit welcome. Lots that only send your application out to a lender aren’t here, because a lender can turn you down. We’re calling each one now to confirm what they take down.

Every buy here pay here lot near Greenville

Sorted by distance

Lot	Address	Google rating	Call	From downtown
Photo author: V K	Family Auto of Greenville	105 E Stone Ave, Greenville, SC 29609	3.9563	“My experience was incredible! We all know how scary buying a used car can be but dealing with family auto and especially my…” Fred Hampton · 5 months ago	Call	0.6 mi
	Byrider Greenville	609 Laurens Rd, Greenville, SC 29607	4.63,891	“Huge thank you to Michael Ritch from the service department for the outstanding customer service I received!! He was friendly…” Sierra Mcintyre · 5 months ago	Call	1.1 mi
	Showplace Automotive	309 S Pleasantburg Dr, Greenville, SC 29607	4.5175	“If you're looking for a good car, truck or any, suv then go see Jamie he's easy to work with you as long as you make your payments…” Rhonda Davis · 2 months ago	Call	1.9 mi
	10K Autos	401 S Pleasantburg Dr, Greenville, SC 29607	4.71,286	“I went to 10K Auto a couple of times... Looking at a certain Volvo. A test drove it. It drove beautifully... I do wish it was a…” Jeb Bennett · 3 months ago	Call	2 mi
	Nikos Used Cars “Your Best Choice”	2225 W Blue Ridge Dr, Greenville, SC 29617	4.7114	“Was looking for a decent priced first car for my daughter. We saw one we liked a few weeks back at Nikos but I figured it was sold…” Annmarie Carlona · 2 years ago	Call	2.4 mi
	Super Auto Discounts 2	1200 W Blue Ridge Dr, Greenville, SC 29611	4.9133	“I had an excellent experience ! From the moment I walked in, the staff was welcoming, knowledgeable, and genuinely helpful. The…” laugarcia1000 · a year ago	Call	2.6 mi
	Abu Auto Sales	1701 Easley Bridge Rd, Greenville, SC 29611	4.3388	“Very patient and understanding personnel. Did app online for a particular vehicle and they had it ready for the test drive when I…” Jay- Jamar · 3 months ago	Call	2.9 mi
	Sams Auto Sale	700 Gordon St Ext, Greenville, SC 29611	4.250	“Sam is the most honest and down to earth person you will ever meet ! I have bought 3 cars from him , just kept upgrading cars I…” Chantel Ward · 4 years ago	Call	3 mi
	Yireh Auto Sales	4507 White Horse Rd, Greenville, SC 29611	4.6150	“Awesome car buying experience! I bought a Jeep Wrangler but unfortunately it ended up having several problems with the suspension…” Britany Atkison · 5 months ago	Call	3.1 mi
Photo author: melad henin	The Truck Farm of Greenville	325 Woodruff Rd, Greenville, SC 29607	4.4725	“I already owned a Mitsubishi Outlander and recently purchased a new car, an Eclipse Cross. The salesman, Jeyber, was extremely…” Alex Mota Machado · 6 months ago	Call	3.2 mi
	Auto Sales Smith	1518 Cedar Lane Rd, Greenville, SC 29617	3.781	“This company is great to work with if you need a car this is the place to go. I bought a 2020 Chevy from them. They made everything…” Tracy Ballard · a year ago	Call	3.4 mi
	Quality Motors Auto Sales	1603 A Cedar Lane Rd, Greenville, SC 29617	4.9103	“If you’re looking for a vehicle this is the place to go! Super nice people, great prices, and they will work with you and make sure…” Hannah Alba · 2 years ago	Call	3.6 mi
Photo author: Paola Millan	Nissi Auto Sales LLC	3700 White Horse Rd, Greenville, SC 29611	4.160	“I'm from NYC and I recently just bought my second car from them and I've had nothing but good experiences with them. The staff is…” Paola Millan · 4 years ago	Call	3.6 mi
	Super Auto Discounts	3800 White Horse Rd, Greenville, SC 29611	4.9230	“Great experience from start to finish! The staff were friendly, helpful, and made the whole process simple. I never felt pressured…” Abdul Gaffar · 10 months ago	Call	3.6 mi
	Raigosa Auto Sales	6348 White Horse Rd, Greenville, SC 29611	4.7148	“Hey guys, I've been dealing with Regosa Auto Sales for the last four or five years. Bought two cars from them—both times, smooth as…” Ronald Cardona · 4 months ago	Call	3.9 mi
	US Auto Sales	2752 Laurens Rd, Greenville, SC 29607	4.2417	“Can’t get in touch with anyone with the numbers posted. Would love a vehicle.” Brittany Reed · 3 weeks ago	Call	4 mi
	VP Auto	122 S Fishtrap Rd, Greenville, SC 29611	4.5539	“We came in today to get a car for my daughter. We knew the car we were interested in already. Alex, was very friendly and helpful…” Kris Marshbanks · 3 months ago	Call	5.6 mi
	Family Auto of Taylors	3226 Wade Hampton Blvd, Taylors, SC 29687	4.6818	“Very nice group of people that will help you get into a car. I was able to do everything via email and phone so it made the process…” Janyia Murray · 2 years ago	Call	6.1 mi
	Train Auto Sales & Rentals Inc	3406 Wade Hampton Blvd, Taylors, SC 29687	4.085	“Reading these reviews surprise me . I went to the dealer multiple times before purchasing in a span of maybe 3-4 months . Every…” Gabriela Borroto · 2 years ago	Call	6.5 mi
Photo author: Jeremy Cowan	The Truck Farm of Easley	4803 Calhoun Memorial Hwy, Easley, SC 29640	4.2797	“I wish I could give 10 stars. Gene Ahlers was the absolute best person I've EVER bought a car from. After hunting all day, at…” AimeeAnn Crum · 6 months ago	Call	7.3 mi
	HDH Auto Sales	1725 Locust Hill Rd, Greer, SC 29651	3.421	“Good price for a good car. We're very pleased with our purchase. Then after the sale i asked for some additional service work that…” Bill B · 3 years ago	Call	9.4 mi
	Northside Auto Sales	1342 W Wade Hampton Blvd, Greer, SC 29650	4.9669	“I had the absolute best experience purchasing a used car from this dealership. From start to finish, the process was honest…” Sarah Leland · a month ago	Call	9.6 mi
	Sweet Rides, LLC	1302 W Poinsett St, Greer, SC 29650	4.5250	“My son found a 2002 SUV with very low mileage that he liked there at Sweet Rides. We drove 2+ hours to go check it out. We found it…” Deborah Mote · 2 years ago	Call	10.2 mi
	Stan Egan's Auto World	900 W Wade Hampton Blvd, Greer, SC 29650	3.271	“In May of 2025, I was on a time crunch and also on a tight budget. Stan saw me looking around the lot, offered his help if I had…” Jo Cloutier · 8 months ago	Call	10.4 mi
	Airy Springs Automotives	111 Airy Springs Rd, Easley, SC 29642	5.09	“Brett made the buying process very smooth and low-pressure. He was generous with his time, answering any questions we had, and I…” Shawn Piedrahita · 3 months ago	Call	11.3 mi
Photo author: Jean Vanning	Cars Plus Of Greer	3230 N Hwy 101, Greer, SC 29651	4.08	“Bought a 2003 Dodge Durango SLT Plus a few months back. Happy to report no major issues, just a bit of AC work done! At the price…” Josiah Smith · 5 years ago	Call	11.4 mi
	Auto One Finance LLC	117 W Wade Hampton Blvd, Greer, SC 29650	5.042	“I had a fantastic experience buying my vehicle at Auto One Finance in Greer! The process was quick and stress-free. Jose was…” Mark Cox · a month ago	Call	11.5 mi
Photo author: Herve Andrieu	Family Auto of Easley	7111 Calhoun Memorial Hwy, Easley, SC 29640	3.5597	“Had the vehicle for 2 hours before the check engine light just all the sudden came on and the car started shuttering . After taking…” Tim Tommy · 10 months ago	Call	11.8 mi
	Mateo's Auto Sales	14390 E Wade Hampton Blvd, Greer, SC 29651	4.261	“I was with a family member who bought a car here and the service was great. When we pointed out a blinker was not working they…” Tom Buczkowski · a year ago	Call	12 mi
Photo author: Megan Cox	Phase II Motors LLC	1101 S Pendleton St, Easley, SC 29642	4.718	“Showed up Monday to purchase the truck I had been speaking with him about since Friday. He said he would hold the truck for me…” David Neumann Jr · 6 years ago	Call	12.1 mi
	Affordable Auto Sales	14105 E Wade Hampton Blvd, Greer, SC 29651	4.4396	“I bought a Honda from affordable auto sales in Greer a couple of years ago. The car has been fantastic, but it was time for a…” Christian Anderson · 2 months ago	Call	12.4 mi
	Deal Depot	13712 E Wade Hampton Blvd, Greer, SC 29651	4.52,108	“After a very anxious & stressful morning at one dealership that was definitely trying to push me into something WAY over my head, I…” Crystal Robinson · a month ago	Call	13 mi
Photo author: Santiago Brizuela	Auto Finance Center - Greer SC	13650 E Wade Hampton Blvd, Greer, SC 29651	4.91,489	“Jose Omana understood the need superbly. Not only did he make sure I had the correct facility he was extremely adequate on his…” Queen Alisha · 5 months ago	Call	13.1 mi
	Brockman Automotive of Duncan	16 Freeman Farm Rd, Duncan, SC 29334	3.637	“My husband's family has known the Brockman's for a lifetime. Our son has been looking for a 4Runner for about 6 or so months. My…” Caroline Rogers · 5 years ago	Call	13.6 mi
	Family Auto of Greer	2013 SC-101, Greer, SC 29651	3.9245	“I got my 3rd car from them today. Never had a problem with the 1st one. The 2nd one was giving me a lot of trouble after I had it…” Amber Waddell · 10 months ago	Call	14 mi
	All Right Auto Sales	1973 SC-101, Greer, SC 29651	4.058	“My boyfriend and I got a car from Chris. 10/10 would recommend for your next car purchase. He was very straightforward, and helped…” lizzie etchison · 2 years ago	Call	14 mi
Photo author: Ebony Clayborne	Family Auto of Fountain Inn	1140 N Main St, Fountain Inn, SC 29644	4.0216	“The cars they sell are all in good condition. They are pre owned so they will more than likely have issues that they don't find…” Djdemonchild 2002 · 3 months ago	Call	14.3 mi

How does buy here pay here work?

The dealership finances you directly instead of sending your application to a bank. That’s why credit matters less and the down payment matters more — the lot is carrying the risk, so they want money up front and payments they can collect weekly or biweekly, often in person.

How much do you need down?

It depends on the car and on you. The lot is lending its own money, so the down payment is how they manage that risk — which means there is no single figure, and any site that posts one is guessing. What each lot does have is a floor: the least they will take on their cheapest car. We are calling every lot on this list to get that number from them directly, and it appears here once they have said it. Rates do run higher than a bank loan; that is the trade for being financed after a repossession, a bankruptcy, or with no credit history at all.

Can you get approved with bad credit or after a repo?

Yes. Every lot on this list finances in-house, so there’s no outside lender who can decline you. What they look at is your down payment and whether you have steady income — not your score. An active repossession is the one thing that usually has to be settled first.

What do you need to bring?

Driver’s licence
Proof of income — last 30 days
Proof of residence
References
Your down payment

Bringing all of it on the first visit is the difference between driving home that day and making a second trip.

Talk to someone now(864) 351-7319