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Customer Services Offered at Auto Simple

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We are a Buy Here Pay Here Dealership

What is a Buy Here Pay Here Dealership?


Buy Here Pay Here (BHPH) vehicle dealerships offer a unique approach to car buying, particularly for those who may have difficulty securing traditional financing. At these dealerships, the financing process is handled directly by themselves rather than involving third-party lenders like banks or credit unions. This allows BHPH dealerships to offer more flexible financing options, often catering to individuals with poor credit, no credit history, or those who have faced financial challenges.


One of the main advantages of BHPH dealerships is their convenience and simplicity. Since the dealership extends the credit, the approval process is often faster, and the terms can be tailored to fit the buyer's specific financial situation. This can be especially beneficial for those who need a reliable vehicle quickly but may not qualify for traditional auto loans.


However, not all BHPH dealerships are trustworthy, and interest rates can sometimes be higher than those offered by traditional lenders, reflecting the increased risk the dealership assumes by providing in-house financing. Genuine BHPH dealerships like Auto Simple offer a valuable opportunity to purchase a vehicle while rebuilding their credit and gaining the mobility they need.


What Can You Expect at Auto Simple’s Buy Here Pay Here Financing?


At Auto Simple, buying a used car should be straightforward and stress-free, so we offer Buy Here Pay Here (BHPH) financing. Unlike traditional dealerships, which rely on third-party lenders, we handle the financing ourselves, allowing us to craft a payment plan that suits your needs. Whether you have excellent credit, are working on rebuilding it, or have no credit history, we’re here to help. 


By cutting out the middleman, we streamline the approval process, allowing you to drive away in your new vehicle confidently. Our BHPH financing is designed to accommodate all credit situations, ensuring everyone can access reliable transportation. At Auto Simple, your credit score won’t stand in the way of you getting behind the wheel of a quality used car. We’re committed to helping you find a financing solution that works for you so you can focus on enjoying your vehicle.

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Vehicle Financing Solutions at Auto Simple

Get Pre-Approved Online at Auto Simple


The right auto financing is critical to making your car-buying experience smooth and stress-free. With a payment plan that suits your budget, you can confidently drive through Chattanooga, Tennessee, and Madison, Alabama, knowing your vehicle fits your lifestyle. At Auto Simple, we simplify the financing process by offering pre-qualification online so you can begin the journey from the comfort of your home. 

Get Pre-Approved Here!

Auto Financing with Subprime Credit


If your credit score is below 670, you might be familiar with terms like “subprime credit” or “subprime borrower,” which often indicate challenges in securing loans. Subprime borrowers frequently encounter difficulties in finding financing options, and when they do, they are often faced with higher interest rates and less favorable terms. At Auto Simple, we are committed to making credit qualification and financing accessible to all our customers, regardless of their financial circumstances. We aim to simplify the auto financing process, even with subprime credit.


At Auto Simple, you can get pre-qualified for financing before stepping foot in our dealership. This allows you to start the car-buying process from the comfort of your home, ensuring you're ready to drive away in a vehicle you love when you visit us.

Finance with Subprime Credit

Rebuild Your Credit Car Loans


If you're looking for a dependable pre-owned vehicle for your daily drives and want to improve your credit, Auto Simple is here to help. We specialize in offering tailored car loans designed to assist you in rebuilding your credit.


At Auto Simple, we simplify the car financing process by enabling you to get pre-qualified from the comfort of your home. This means you can start the journey toward owning a new vehicle without visiting our dealership first. With pre-qualification, you can swiftly move forward and get behind the wheel of a car you love, making the entire experience convenient and efficient.

Rebuild Your Credit Loans
an approved car loan application
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Sell Your Vehicle at Auto Simple

Ready to sell your car for cash? Visit Auto Simple for a hassle-free experience! We offer top dollar for various vehicles, including cars, trucks, vans, and SUVs. Instead of trading in your old vehicle, consider selling it to us for cash.


When you bring your vehicle to one of our locations, we'll provide a free appraisal and make you an offer on the spot. Say goodbye to the stress of finding a buyer and waiting for payment. At Auto Simple, we ensure a straightforward transaction with guaranteed payment and no hidden fees. Get started today, and you’ll drive your dream car faster than ever!

Sell Your Vehicle to Us!

Customer Confidence Program at Auto Simple


At Auto Simple, our Customer Confidence Program is designed to save you time and money on your next vehicle purchase, whether a car, truck, SUV, or motorcycle. We offer a 12-month or 12,000 Mile Warranty on all Certified Pre-Owned vehicles, allowing you to return your vehicle within 48 hours if you’re not completely satisfied—no questions asked. Each vehicle undergoes a rigorous 200-point Quality Inspection by our expert technicians to ensure top-notch comfort and safety. We also provide a free CarFax history report for every vehicle so you can buy with confidence. 


Enjoy affordable prices with low down payments starting as low as $499. Plus, by signing up for recurring payments from your debit card, you can become a Preferred Customer and receive free oil changes every 90 days for the life of your loan. Happily, take advantage of our $200 Referral Program—refer a friend who buys a vehicle from us and earns a credit on your account. Visit us today to experience the benefits of our Customer Confidence Program!

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Frequently Asked Questions (FAQs)


Are all of your vehicles certified pre-owned?

Yes, all the vehicles at our dealership are certified pre-owned. Each vehicle undergoes a rigorous 200-point inspection to ensure it meets our high standards for quality and safety, providing you with extra peace of mind.


What types of vehicles are available in your pre-owned inventory?

Our pre-owned inventory includes a wide range of high-quality vehicles, including sedans, SUVs, trucks, and more. We stock models from industry-leading brands that are trusted and loved by drivers, ensuring that we have something to fit every lifestyle and need.


Can I get approved for financing if I have bad or no credit?
Yes! At Auto Simple, we work with all credit situations, including those with bad credit or no credit history. Our BHPH financing is designed to help you secure a reliable vehicle, even if traditional lenders have turned you down.

What are the benefits of choosing BHPH financing over traditional financing?
BHPH financing at Auto Simple offers several benefits, including flexibility in payment plans, quicker approval processes, and the ability to finance a vehicle regardless of your credit score. This makes it an excellent option for those who may face challenges with traditional financing methods.


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