If your credit isn’t perfect and you’re wondering, “Can I actually rebuild my credit by buying a car?” or “How can I buy a car with bad credit?,” you can find your answer here at Burns Buy Here Pay Here of Gaffney.
At Burns Chevrolet of Gaffney, we understand that life happens — and so does bad credit. But that doesn’t mean you should settle for unreliable transportation or sky-high loan terms. With our Buy Here Pay Here (BHPH) program, we’ve helped hundreds of drivers in Gaffney, Spartanburg, Shelby, and beyond find dependable vehicles while rebuilding their credit in the process.
What Is Buy Here Pay Here (BHPH)?
Buy Here Pay Here is a financing model where the dealership — not a bank or third-party lender — provides the loan directly to the customer. This is particularly helpful for people with poor credit, no credit, or recent financial setbacks, as it removes many of the barriers found in traditional financing.
At Burns Chevrolet of Gaffney, you:
- Buy the car here.
- Finance the car here.
- Make your payments here.
It’s a one-stop, no-hassle process designed with you in mind.
Why Choose Burns Buy Here Pay Here of Gaffney?
We’re not just another used car lot. As a locally-owned, family-run car dealership with deep roots in the Upstate, we take pride in helping our neighbors get back on the road with confidence.
Here’s why Burns Buy Here Pay Here stands out among other Gaffney car lots:
Flexible, Easy Financing
We look at your employment and income, not just your credit score. Our finance experts work with you to create a monthly payment plan that fits your lifestyle — not the bank’s checklist.
Fast Approvals
No long waits or complicated approvals. Most of our customers are approved the same day, so you can get on the road fast.
Reliable Vehicle Options
We carry a range of used cars in popular makes and models, often including:
- Honda Odyssey
- Chevy Cruze
- Honda Civic
- Toyota Corolla
- Kia Sorento
Whether you need a fuel-efficient sedan or a family-friendly SUV, our diverse selection of used cars near Spartanburg ensures you’ll find something that meets your needs.
Rigorous Inspection Process
Before any vehicle is placed on our lot, it undergoes a 97-point inspection and reconditioning process performed by our Certified Service Department in Gaffney. This ensures you drive away with a vehicle that’s safe, clean, and mechanically sound.
Warranty Options Available
While warranties are not included, we offer customers the option to add a warranty to their vehicle purchase. This can give you added peace of mind and extra protection on your investment.
The Real Game-Changer: Credit Reporting
Here’s what truly sets us apart from many Buy Here Pay Here dealers in Gaffney and surrounding areas:
We report your payments to Equifax, a major credit bureau, every month.
That’s right. Not all BHPH dealers do this, but we do — because we believe in giving you the tools to rebuild your financial future.
Making consistent payments not only helps you stay on track but also improves your credit profile over time — opening doors to better interest rates, credit cards, and loans down the road.
How the Burns Chevrolet Buy Here Pay Here Program Works
Getting started is simple:
Step 1: Apply for Credit
Fill out a credit application at our dealership or online. We’ll review your employment, income, and budget, not just your credit score.
Step 2: Get Approved
Our finance team will work with you to establish your loan terms, including your down payment, payment frequency, and interest rate.
Step 3: Choose Your Vehicle
Pick from our selection of cars, vans, and SUVs — all inspected and ready for the road.
Step 4: Drive Away
Once approved, you can hit the road that same day. Payments can be made in person, by phone, or through automatic drafts for convenience.
Step 5: Build Your Credit
Every month, your payments get reported to a major credit bureau, helping you move toward a stronger credit score and greater financial freedom.
Frequently Asked Questions
Can I buy a car with bad or no credit?
Yes. At our Gaffney Buy Here Pay Here dealership, we focus primarily on your current job and income, not your credit history.
Do you require a down payment?
Yes, but we work with you to make it as affordable as possible. Plus, you can trade in your current vehicle to help cover the down payment.
Are Buy Here Pay Here interest rates high?
Our rates are competitive for BHPH loans and reflect the increased risk of lending to credit-challenged customers. But unlike banks, we say yes when others say no.
What if I miss a payment?
If something comes up, we ask you to communicate with us early. We’re here to work with you — not against you.
Will my payments be reported to credit bureaus?
Absolutely. We report to Equifax every month. This is one of the most important aspects of our program. On time payments = better credit.
Can I buy a car without a credit check?
We do run a credit check, but it’s just one part of the process. Your current financial picture (income and employment) carries much more weight.
Is a warranty included?
Every vehicle in our Buy Here Pay Here program comes with a 3-month, 3,000-mile warranty, giving you confidence and protection from day one.
Why This Matters: The Credit Reality in Our Region
According to Equifax, the average credit score in:
- South Carolina is 692
- North Carolina is 699
These are considered “good” scores, but they’re on the lower end — just a few points away from being classified as “fair.” That means many people are on the edge, and a missed payment or unexpected expense can quickly tip the scale.
This also means that you are not alone in your credit situation. That’s why we started our Buy Here Pay Here program, so our neighbors could purchase a car even with credit challenges.
With our Buy Here Pay Here program, you get a second chance and the opportunity to rebuild, improve, and secure your financial footing again.
Serving Gaffney and Beyond
If you’re looking for trustworthy Gaffney car dealerships, we invite you to visit Burns Chevrolet of Gaffney. We’re proud to serve drivers from:
- Gaffney
- Spartanburg
- Shelby
- Boiling Springs
- Forest City
- Chesnee
- Blacksburg
- And surrounding Upstate areas
Buy Here Pay Here That Actually Helps You
There are lots of places that advertise “Buy Here Pay Here” — but not all of them help you move forward. Some don’t inspect vehicles, some don’t report to credit bureaus, and some don’t care what happens after the sale.
At Burns Chevrolet Buy Here Pay Here, we do things differently:
- We inspect every vehicle.
- We report payments every month to Equifax, one of the 3 major credit bureaus.
- We offer optional warranty coverage.
- We treat our customers like family.
If you’re ready to get back behind the wheel — and on the road to better credit — we’re here to help.
Visit Us Today
Burns Buy Here Pay Here of Gaffney
101 Peachoid Road
Gaffney, SC 29341
📞 (864) 489-6000
🌐 burnschevyofgaffney.com and 🌐www.burnsbuyherepayhereofgaffney.com
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