Bad Credit Auto Financing in Statesville NC - Get Approved Today
Subheadline:
$150 Biweekly Payments | $2,800 Down Gets You Driving | We Finance Everyone
How Our Buy-Here-Pay-Here Financing Works
At Winn Auto & Services, your job IS your credit. We've helped hundreds of Statesville residents get reliable transportation when other dealerships said "no." Here's exactly how our financing works:
Real Example - 2018 Honda Civic:
Vehicle Price: $6,000
Down Payment Required: $2,800
NC Tax (3%): $180
Tag Fee: $113
Your Biweekly Payment: $150
Total to Drive Off Today: $3,093
Why Biweekly Payments Work Better for You
Matches Your Paycheck: Most people get paid every two weeks - our $150 payments align perfectly with your income
Pay Off Faster: Biweekly payments help you pay off your car quicker than monthly payments
Easier Budgeting: When your car payment matches your pay schedule, budgeting becomes simple
Bad Credit? No Problem - We Approve Everyone
What You Need to Get Approved:
Proof of income (pay stubs, bank statements, or employment verification)
Valid driver's license
Proof of insurance
Down payment ($2,800 for most $6,000 vehicles)
Complete Cost Breakdown
For Our Average $6,000 Vehicle:
Down Payment: $2,800
North Carolina Tax (3%): $180
Tag Fee: $113
Insurance: You arrange (we can recommend agents)
Biweekly Payment: $150
Total Cash Needed Today: $3,093
What's Included FREE with Every Purchase:
Dual Financing Options
Buy-Here-Pay-Here (Most Popular)
Perfect for customers with credit challenges:
No credit check required
Your job is your credit
Same-day approval
Drive off today
Traditional Financing (Good Credit)
For customers with decent credit scores:
Why Choose Winn Auto for Financing?
? We approve customers others reject ? Transparent pricing - no hidden fees ? $150 biweekly payments fit your budget ? Same location for sales AND service ? 5.0-star rating from satisfied customers ? Serving Statesville since January 2024
Frequently Asked Questions
Q: What if I have really bad credit? A: We don't check credit scores. If you have a job and can make the down payment, you're approved.
Q: Can I pay monthly instead of biweekly? A: Our standard structure is biweekly $150 payments, but in some cases we can do monthly payments. We'll work with you to find a payment schedule that fits your situation.
Q: What happens if I miss a payment? A: We work with our customers. Life happens, and we understand. Contact us immediately if you're having trouble.
Q: Do you report payments to credit bureaus? A: We don't report to credit bureaus unless we have to. Our focus is on helping you get reliable transportation, not monitoring your credit.
Q: What if the car needs repairs? A: That's the beauty of buying from us - we're also a full-service auto repair shop with your membership discounts!
Ready to Get Approved?
Visit Us Today: 2039 Shelton Ave, Statesville, NC 28677
Call or Text: 704-380-3072
Customer Success Stories
"I was turned down everywhere else because of my credit. Igor at Winn Auto got me approved the same day with payments I can actually afford. The $150 biweekly works perfect with my paycheck!" - Sarah M., Statesville
"The $2,800 down seemed like a lot at first, but knowing I'm approved and the payments are only $150 every two weeks made it worth it. Plus, the free maintenance benefits save me hundreds!" - Mike T., Mooresville
