Bad credit? No credit? Need a used car loan in Johnson City? No problem – we do it all. We are a buy-here, pay-here auto financing company, which means that all of our financing is done on-site and nearly all of it is done with our own in-house finance company, Smart Finance. In other words, we are the bank. Even better, we will report all of your payments to all three major credit bureaus. That means while you pay for your car you have the opportunity to really improve your credit score – that’s Smart.
Smart Auto makes the process of buying a car fast and simple – that’s Smart. It begins with an appointment where you tell us about your situation and what you are looking for, and then we get busy meeting your needs. Buy smart at Smart Auto – the smart choice for Cars, Credit & Service.
You can make your payment in almost any way possible. Whatever works for you. We take cash, credit, debit, money orders, all in person or online. We also take ACH auto deduction which is the simplest of all methods. You decide – that’s Smart.
Deborah Watts and Stella Wood recently purchased a 2000 Toyota Avalon from Smart Auto in Johnson City. They share, “My mom and I had a wonderful experience from Kim. She is a delight and kept us occupied during the wait. We will tell others to come see Kim at Smart Auto!”
Joy Rumley recently purchased a Ford Taurus from Smart Auto in Johnson City, Tennessee. Joy shares, “Kim was a delight. I will recommend her to all of my friends. It was a very good experience.”
Patricia Grindstaff recently purchased a Pontiac Grand AM from Smart Auto in Johnson City, Tennessee. Patricia shares, “Great customer service and would recommend anyone to Smart Auto because they seem to care more about the customer than themselves. Kim is the best! I will tell everyone I know to come to Smart Auto.”
Mattie Horton from Kingsport recently purchased a 2006 Ford Taurus from Smart Auto in Johnson City. Mattie shares, “I had a very positive experience with extremely wonderful salespeople at Smart Auto! Kim is wonderful and made buying a car a pleasure! I will tell everyone I know who is looking for a car that they should visit Smart Auto and see Kim. Thank you Smart Auto for putting us back on the road!”
The process from the telephone call with Kim to the financing with Amber to the evaluation and completion of the mechanical fixes with Randy, all of Smart Auto’s services have been excellent! Kim’s presentation on the telephone is absolutely the reason I came to make my purchase. Smart Auto’s program itself is perfect for people in my position whose credit and financial status needed some support! The customer service and assistance was superb. I am extremely grateful.