Common questions about
Buy here pay here car dealerships

How Long Does It Take to Get Approved?
Our approval process is quick and easy! You can start your online application now and get pre-approved before you visit our lot. Get started on your application today and give us a call if you have any questions!
Who Should Go to a BHPH Dealership?
BHPH dealerships finance & sell cars to drivers with bad and no credit histories with little to no-money-down. If you're looking for a simple process and easy financing, Autosmart is perfect for you.
What Does "Buy Here Pay Here" Mean?
Buy Here Pay Here dealerships offer a different car-buying process by selling and financing the cars straight off their lots.
Does buy here pay here help your credit?
Anytime you take out a loan with a lender and they report the routine payments to the credit bureau, then you have the chance to improve your credit. Therefore, buy here pay here loans should certainly assist your credit if the payments are made in a timely manner.
Can I Buy A Car Without Credit History?
It's possible to purchase a vehicle with no credit, however, your financing options may also be limited, and you will probably face challenges that buyers with a strong credit history may not encounter. Lenders commonly prefer applicants who have an established pattern of responsible borrowing and making on-time payments.
How Often Do You Need to Change the Oil in a Car?
It used to be normal to change the oil every 3,000 miles, but with modern lubricants, most engines today have recommended oil change intervals of 5,000 to 7,500 miles.
Is Buying A Used Car A Good Idea?
Right now is one of the best times for drivers to buy a used car. Autosmart offers low payments and warranty coverage at no additional cost on every car we sell!
Does Buy Here Pay Here Depend On My Credit?
Although AutoSmart runs credit checks for flexible in-house financing, we understand our customers are more than just a credit score. Instead of using only your credit history like traditional banks and car dealerships to make financing approval decisions, we also focus on your current income and financial situation to help you get the auto financing you need.
How Long Is The AutoSmart Warranty?
All AutoSmart vehicles come with a 3-month/3,000-mile warranty and FREE oil changes for the life of your loan.
Do Buy Here Pay Here Dealerships Offer Warranties?
Many buy here pay here car dealerships offer a warranty with the used cars they sell, but AutoSmart offers more.
Is It Easy To Get A Car From AutoSmart?
Yes! It’s easy to get a car from AutoSmart, because we make the entire process simple. In addition to traditional financing options we offer flexible buy here pay here financing and a wide inventory of cars, trucks, and SUVs to choose from.
Is Buy Here Pay Here A Good Idea?
Buy Here Pay Here dealerships can be a good choice for drivers who need a vehicle, but face obstacles obtaining financing due to bad credit or financial obstacles in their past. AutoSmart offers flexible auto financing and a great selection of vehicles.
Where is AutoSmart Located?
AutoSmart has multiple locations throughout East Texas, including Tyler, Longview, and Texarkana. Visit our Locations pages to find specific information about each of our locations.
What is a Buy Here Pay Here Car Lot?
Buy Here Pay Here car lots offer flexible financing options that allow drivers with bad credit or financial obstacles in their past to get behind the wheel without the hassles you'll face at other dealerships. Our in-house financing team can approve you for a loan same day and in-person, even if you have bad credit.
Are Used Cars Reliable?
Used cars are more reliable than ever thanks to improvements over the years. To give our customers peace of mind, AutoSmart carefully inspects each vehicle on our lot and stands behind the used cars we sell with a 3-month/3000 mile warranty and free oil changes for the life of your loan.
Can You Finance a Used Car?
Yes, you can finance a used car. At a buy here pay here dealership like AutoSmart, we offer easy in-house financing for all of our used vehicles, no matter your credit history.
Can You Get a Car Loan With Bad Credit?
While traditional banks and car dealerships will not typically approve an auto loan for someone with a poor credit history or low credit score, a buy here pay here dealership like AutoSmart can approve you for a car loan, no matter your credit score or history.
How Does Buy Here Pay Here Work?
Buy here pay here dealerships like AutoSmart offer easy in-house financing, which means we make the decision ourselves to finance your auto loan based on your current situation—not your past. We can work with buyers to get you approved for a loan.
How Do You Get Service on a Buy Here Pay Here Car?
At AutoSmart, we provide a 3-month, 3,000-mile warranty on all vehicles that we finance, and that includes FREE oil changes for the life of your loan. So when you need an oil change, you bring you car to AutoSmart in Longview, Texarkana, or Tyler and we will service it at no charge.


Still have questions? Call us or come by an AutoSmart location today.