Buy here pay here in Statesville NC works differently from a bank loan, and it is simpler than most people expect. At Nicky Auto, you buy the car and make your payments at the same place. There is no bank in the middle and no long wait for an outside approval.

Here is how it works, step by step.

First, come see the car you want. You can browse our live inventory online or walk the lot at 888 Old Mountain Rd. When you find a car you like, bring your documents and talk with us about the down payment.

Second, bring what you need to get approved. A valid photo ID, proof of income, proof of residence, and your down payment cover most approvals. Down payments at our Statesville lot start at $1,300 plus tax, tag, and title. If you are not sure what counts as proof of income, call us first and we will tell you before you drive over.

Third, pick a payment plan that fits your payday. Payments are weekly or biweekly, timed to when you get paid. That keeps the payment predictable and keeps you on track.

Fourth, drive home the same day in most cases. Once the paperwork is signed and the down payment is made, the car is yours to drive. You make your payments to us, right here at the lot or online at pay.carpay.com.

A few things to know before you come in. We work with bad credit, no credit, and first time buyers. Your job and your down payment matter more than a credit score. We do not promise that payments report to the credit bureaus, so ask us what is reported before you sign anything.

If you are shopping for a used car in Iredell County and the banks keep saying no, buy here pay here may be the straightest path to a car you can afford. Come talk to us in person and we will walk you through it, no pressure and no runaround.

Nicky Auto, 888 Old Mountain Rd, Statesville, NC 28677. Call (980) 276-0015. Open Monday through Friday 9 to 5, Saturday 10 to 4, closed Sunday. See our live inventory at https://www.nickyauto.com/inventory and learn more about buy here pay here at https://www.nickyauto.com/bdp/125894/buy-here-pay-here/buy-here-pay-here-in-statesville%2c-nc