100% of the customers completing our program have RE-ESTABLISHED CREDIT & qualify for traditional bank financing.


For over 25 years, through Burns Chevrolet Cadillac in Rock Hill & now Burns Chevrolet, Burns' "Buy Here, Pay Here" car lot has helped hundreds of people in Charlotte, Rock Hill, Gaffney, Ft. Mill, Lancaster, Gastonia, Monroe & all points in-between establish a credit rating for themselves while driving good, dependable vehicles. All it takes is a small down payment & the ability & willingness to make low weekly payments. All vehicles are inspected & come with a 30 Day or 1,000 Mile Powertrain Limited Warranty for your protection. So, if you need transportation & want to build or rebuild a credit rating for the future, consider the Burns Chevrolet "Buy Here, Pay Here" Auto Credit program - where your job gives you credit!


  • Short term financing enables you to upgrade sooner & re-establish credit quicker
  • Flexible payment schedule tailored to your pay day
  • Monthly Reporting to Equifax
  • Immediate Loan Approval
  • Locally Owned and Operated
  • 100% Credit Approvals!


Use Our Secure Online Application To Get Your Approval Today

*requires fulfillment of all program requirements


You're not alone! Over 40 million Americans have challenged credit, or no credit at all. There are many factors that lead to challenged credit, including: job loss, medical bills, divorce, economic changes, and thousands of other unfortunate circumstances. According to reports, banks are reducing the amount of available credit. This means, it's becoming more difficult for people with challenged credit to get a loan. This leaves the person with no credit, little credit, or challenged credit with even less options.

This is where Burns Chevrolet steps in! With the Burns "Buy Here, Pay Here" program, we can help our Gaffney, Spartanburg & Shelby, NC customers get back on the road.


Burns Chevrolet has been a pillar in the Gaffney community for decades & it's our desire to see all of our customers control their own credit future. The Burns Philosophy has always been to not sell you a car - but to help you buy one. At Burns Chevrolet, we don't see you as a risk percentage, a credit score, or just a number. To Burns Chevrolet, you're our fellow Carolinian's, people we live with, worship with & enjoy life with. Burns Chevrolet knows all you need is a chance & we're betting on you!


Burns Chevrolet , unlike many "EZ Credit Sales" or "Buy Here Pay Here" car lots, is not a fly-by night, or less than reputable dealership. Burns Chevrolet is a franchise dealership with decades of experience. We offer a full Certified Service Department with factory trained technicians, & every vehicle goes through a thorough inspection & repair process before being sold. Burns Chevrolet's "Buy Here, Pay Here" vehicles come with a warranty! Many "Buy Here, Pay Here" dealers report only bad credit to the agencies, or they don't report at all. The Burns Chevrolet "Buy Here, Pay Here" program reports EVERY MONTH! Burns doesn't want to hold you down, we don't want to keep you in a challenged position, we're here to help you rebuild your credit, re-establish your financial future & begin a long term relationship with us.

  • $300 Down Delivers*
  • Quick, No Hassle Approvals
  • Every Application Accepted
  • No Obligations - Abolutely FREE


$300 Down & Drive Today - Contact Us!

Credit Issues? Let's Get You Back on Track

Through inexperience, poor decisions, loss of job, medical emergency, or through no fault of your own, you may be down on luck with your credit. You are by no means alone in this endeavor, as millions of American's have poor credit.

The good news?

We are here to help you re-establish your credit through a buy here, pay here program. The program works by taking a small down payment, and low weekly payments with the purpose of building your credit. A re-established credit is vital for your financial flexibility, and we are here to help at Burns Chevrolet. Having re-established credit is worth the time and investment in taking. Not many places can assist you as reliably as we can, we are truly here for your benefit.

How does this work?

By approving your loan, we can start the process of rebuilding your credit when you purchase a car. By monthly reports, flexible payment plans, short term-financing, and working through ourselves, we can get you back on track. We offer 100% guaranteed approval for Spartanburg and Shelby drivers who have a tough time getting credit.

We commit to providing our surrounding communities with the opportunity to take their credit back. We genuinely care, and we want nothing more than to assist you along the way. We do more than sell cars; we are a family here at Burns Chevrolet. You aren't a risk; you are a valued customer.

Our lineup of Chevrolet vehicles is the elite partner you need. Let us here at Burns Chevrolet help you get there. Whether from Boiling Springs or Gaffney, stop by and work with us. We'll help you finance, perform auto service, and schedule you for a test-drive at your convenience.