Recent Submissions

Richard V.'s auto loan application is currently being processed at one of our Tennessee network dealers.
Oct 20, 2014 - 4:47 pm

Rebecca I.'s auto loan application has just been approved by a Johnson City buy here pay here car lot.
Oct 20, 2014 - 4:10 pm

Jason D. just got approved for a bad credit auto loan in Johnson City, TN
Oct 20, 2014 - 4:48 pm

Johnson City, TN Auto Loans

Buy Here Pay Here Car Dealers in Tennessee

Tennessee residents in and around Johnson City can get approved for an auto loan, even with bad credit.
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Why do People Get Financed With Us?

  • Extensive Lending Network - Buy here pay here car dealers in our exclusive network are eager to get you into a new or used car, regardless of your financial history.
  • Fast Application Process - Our quick and painless online application form is Step #1 to your new car. Apply online, 24 hours a day.
  • Easy Approval Requirements - Min $1,500 gross monthly income, no repos within 1 year unless included in bankruptcy, U.S. or Canadian residents over 18 years old, no motorcycle or private party loans.
  • One-Stop Convenience - Once you apply, a dealer representative will contact you to discuss the details. Then just visit the dealership car lot, pick out your new wheels, close your loan and drive away!
  • Specialized Local Services - Connecting consumers with financing for new and used cars is what we do every day, and we have helped millions of consumers like you.



Tips and Advice for Drivers

Automobile Dealer Phrases and Terms

Is it time for you to buy a new vehicle but you're a unfamiliar the language that the dealer is using? Read on and you will learn the definitions of many different words and phrases used by a dealer when preparing for a sale.

An "Agreement of Sale" is the contract that stipulates that the seller agrees to sell a vehicle and a buyer agrees to purchase a vehicle. The amount that you, the buyer, agree to pay is referred to as the "Agreed upon Selling Amount". When you purchase a vehicle you may be asked to give a "down payment". This is a cash amount that you apply toward the vehicle and is deducted from the financed amount. Many times this is asked of a consumer that has "impaired" credit or "no credit history". However, many consumers choose to make a down payment to lower their monthly payments. An "Acceleration Clause" is a stipulation allowing lenders to demand payment of the total outstanding balance under specific circumstances such as non-payment or a bankruptcy.

The "Base Price" is the cost of the vehicle without any luxury features added. There are "dealer add-ons" which are products or services that can be added to the vehicle, however, these add-ons increase the price of the vehicle and the amount of your monthly payment. The value of a used vehicle can be determined by using "Blue Book" or "Book Value". This allows dealers to determine what price is being asked for in the automotive market. The amount a vehicle is predicted to decrease is referred to as "vehicle depreciation.

There are many types of loans available. The term "Balloon Loan" refers to a loan created in smaller monthly payments but has a large payoff amount at the end of the loan. Most consumers prefer a different form of financing due to the fact that a large sum of money may be harder to obtain than paying a consistent monthly payment. Once you decide on what type of financing you want and the terms are agreed upon you will sign a "commitment agreement" which is a contract between the lender and you which states that money will be loaned at a future date for the purchase of a vehicle and is restricted to the stated conditions.
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