Fast, Flexible Car Financing in Columbia, SC
At DriveSmart, getting approved for a reliable used car is simple, fast, and stress-free. With 100% in-house financing, a 99% approval rate, and NO IMPACT TO YOUR CREDIT, we make car buying easy and ownership accessible for everyone. Whether you have bad credit, no credit, or past challenges, our team builds a financing plan that’s customized for you and your budget. Get approved right now. It’s easier than you think!
Financing Designed for Real Life
We understand that life doesn’t always go according to plan. That’s why DriveSmart offers customized financing that looks at you – NOT YOUR CREDIT SCORE. Our 36-month Fast Path to Ownership Program, Low Down Payments, and Flexible Payment Options make it easier than ever to get approved to buy a dependable vehicle without the hassle.
3 Things You’ll Need to Get Approved
Getting approved at DriveSmart is simple and straightforward. We don’t rely on traditional credit checks — instead, we base our approvals on stability, income, and your unique situation. Below is a breakdown of the basic items we use to help you get into a reliable vehicle quickly.
✅ A Valid SC Driver’s License
✅ Proof of your income
✅ Proof of where you live
FAQs
If you’re missing one of the items above or have questions about what you need, don’t worry — our team is here to help. Reach out anytime, and we’ll walk you through each step to get you approved quickly and confidently.
Buy Here Pay Here???
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?
Your down payment is up to you. 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.
Proof of 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.
Proof of residence???
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
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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