Get Approved for a Car Today — No Credit Needed
Getting approved at DriveSmart is fast, simple, and stress-free. We focus on your stability, income, and your unique situation — NOT YOUR CREDIT SCORE! Apply right now and we’ll help you get into a reliable vehicle with affordable payments.
Why Drivers Like Our In-House Financing
WE APPROVE YOU. NOT YOUR CREDIT. Our in-house approval process is done on the spot, with NO HIT TO YOUR CREDIT! No banks, no outside lenders, and no long waits. Getting approved is easy only takes a few minutes. Once you’re approved, we’ll work together to create a payment plan that fits your budget comfortably and sets you up for success.
Approval Based on You
99% Approval Rate
Buy and Drive in 45-Minutes
Frequently Asked Questions About Getting Approved
We know applying for financing can feel overwhelming, especially if you’ve been turned down elsewhere. At DriveSmart, we make things simple. Below are answers to common questions about our Buy Here Pay Here approval process.
How does Buy Here Pay Here financing work?
Buy Here Pay Here (BHPH) means we finance your vehicle and you make payments directly to us – no banks or outside lenders. This gives us the flexibility to approve people with bad credit, no credit, or past financial struggles. Our approvals are based on your income and your stability, not your credit history.
Will applying affect my credit score?
No. Our online application uses soft inquiry information and does not impact your credit score in any way. You can apply with confidence, knowing your credit will not be affected by your pre-approval request.
Can I get approved if I’ve had repossessions or bad credit?
Yes. We specialize in helping customers who have been denied elsewhere. Past repossessions, low credit scores, or limited credit history do not disqualify you from approval. Our 99% approval rate reflects our commitment to helping real people with real-life situations.
How long does it take to get approved?
Wheather online or at the dealership in person, once we have all your information, we’ll get you approved in about 5 minutes and be able to tell you your real down payment!
How much do I have to put down?
There are NO set down payments at DriveSmart. We work 1 on 1 with every customer to customize a plan that works for their budget. Your down payment depends on your approval and the vehicle you pick.
Can I buy a car on my lunch hour?
Yes. Most customers are approved and driving their new car off the lot in about 45 minutes. We make car buying fun and exciting – the way it should be!
Do I have to have a valid SC Driver’s License?
Yes. It’s a DriveSmart requirement. A valid SC Driver’s License helps us verify your identity and ensure you’re legally able to drive.
What do you need to be able to verify my income?
We use your real net income to structure a payment plan that fits your budget comfortably. You’ll need your 2 most recent pay stubs OR you can show us your current pay information on your employer’s payroll system at the dealership. Other proof may include your 2 most recent bank statements, Tax Returns if you are self employed, your most recent award letter, etc.
What do you need to be able to verify where I live?
Address verification confirms you live within our service area and helps us customize your financing plan. Your recent utility bill or a current lease agreement are preferred. Bank statements or other forms of mail with your current address listed could be accepted.
Still have questions or need help completing your application? Our team is here to support you every step of the way. Just reach out and we’ll walk you through the process.
Hours of Operation
9:30AM-6:00PM
9:30AM-6:00PM
9:30AM-6:00PM
9:30AM-6:00PM
9:30AM-6:00PM
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