Introduction
If you're searching for a reliable used car in Statesville but worried that bad credit will hold you back, you're not alone. Many hardworking people in the Statesville area face credit challenges due to past financial difficulties, medical bills, or simply being new to credit. The good news? Bad credit doesn't have to keep you off the road.
At Winn Auto and Services LLC, we specialize in helping customers with credit challenges get behind the wheel of quality used vehicles through our buy-here-pay-here (BHPH) financing program.
What is Buy-Here-Pay-Here Financing?
Buy-here-pay-here financing means the dealership itself provides the loan, rather than sending your application to a bank or credit union. This makes a huge difference for customers with:
Low credit scores or no credit history
Past bankruptcies or repossessions
Recent financial hardships
Self-employment or non-traditional income
The biggest advantage? We don't run traditional credit checks. Instead, we focus on your current ability to make payments based on your income and down payment.
What You Need to Get Approved at Winn Auto
Our approval process is straightforward and designed to say "yes" whenever possible. Here's what you'll need:
Required Documentation
Proof of Income: Recent pay stubs, bank statements, or tax returns if self-employed
Valid Driver's License: Current NC driver's license or valid out-of-state license
Proof of Residence: Utility bill, lease agreement, or mortgage statement
Proof of Insurance: Full coverage insurance is required (we can help you find affordable options)
Down Payment: We work with various down payment amounts based on the vehicle
No Credit Check Required
Unlike traditional lenders, we don't let a three-digit credit score determine your future. We look at the whole picture—your current income, job stability, and commitment to making payments.
How Our Payment Plans Work
At Winn Auto and Services, we structure our BHPH loans to fit your budget:
Flexible Terms: Typically 1-2 year loan terms
Bi-Weekly Payments: Smaller, more manageable payment amounts
Competitive Rates: Fair interest rates for BHPH financing
Local Payments: Make payments right here at our Statesville location on Shelton Ave
We'll work with you to create a payment plan that fits your income schedule, whether you're paid weekly, bi-weekly, or monthly.
Why Choose Winn Auto for BHPH Financing?
Quality Vehicles You Can Trust
Every vehicle in our inventory undergoes a comprehensive inspection before we put it on the lot:
Engine oil and filter check
Transmission fluid inspection
Brake and rotor examination
Tire condition assessment
AC and heating system test
Complete safety inspection
We're not just selling you a car—we're making sure it's reliable transportation you can depend on.
Full-Service Shop On-Site
Unlike many BHPH dealerships, we have a complete automotive service center right here. This means:
Free Lifetime Tire Services with every vehicle purchase
40% Off Labor for all repairs
Up to 60% Off Parts through your customer membership
Certified NC Inspector on staff for inspections
Expert Mechanics for any repairs you need
Your car purchase includes a free membership that saves you money on every service visit for as long as you own the vehicle.
Honest, Transparent Service
With over 10,000 Facebook followers and a 5.0-star rating, our reputation speaks for itself. We've built our business on treating customers with respect, patience, and honesty. When you work with Igor and the team at Winn Auto, you're working with people who genuinely care about getting you into a reliable vehicle.
Our Current Inventory
We maintain an inventory of approximately 14 quality used vehicles at any time, with new arrivals every few weeks. Our most popular brands include:
Ford - Trucks, SUVs, and sedans
Chevrolet - Reliable American vehicles
Nissan - Fuel-efficient options
Buick - Comfortable family vehicles
Average vehicle price: Around $6,000 Average vehicle age: 6 years old
Every vehicle is priced competitively—on average $1,050 below market value—because we want to make car ownership accessible.
Frequently Asked Questions
Q: Will applying hurt my credit score? A: No. We don't run traditional credit checks, so there's no impact on your credit score.
Q: How long does approval take? A: Most customers get approved the same day. Bring your documentation and we can often have you driving home in your vehicle within hours.
Q: What if I miss a payment? A: We understand life happens. Contact us immediately if you're having trouble making a payment. We'll work with you to find a solution. We send reminders via calls and texts to help you stay on track.
Q: Can I pay off my loan early? A: Yes! There are no prepayment penalties. Paying off your loan early can save you money on interest.
Q: Do you offer warranties? A: Yes, we partner with Veterans Warranty to offer warranty options for interested customers.
Beyond Vehicle Sales: Complete Automotive Services
Remember, Winn Auto isn't just a car dealership—we're your complete automotive service center. We offer:
Oil changes and fluid services
Brake repair and replacement
Transmission work
Engine repairs
Tire sales and service
State inspections (safety and emissions)
Alignment services
AC and heating repair
Labor Rate: $85/hour (with your membership discount: only $51/hour!)
Whether you buy your vehicle from us or not, we welcome all customers to our service center.
Visit Us in Statesville
Ready to get approved and start driving? Visit us at:
Winn Auto and Services LLC 2039 Shelton Ave Statesville, NC 28677
Hours:
Monday-Friday: 9:30 AM - 6:00 PM
Saturday: 9:30 AM - 3:00 PM
Sunday: By appointment only
Contact:
Take the First Step Today
Bad credit doesn't define you, and it shouldn't keep you from reliable transportation. At Winn Auto and Services, we've helped hundreds of Statesville residents with credit challenges get approved for quality used vehicles.
Bring your documentation, and let's have a conversation about getting you approved and driving today. No pressure, no games—just honest service and real solutions.
Call us at 704-380-3072 or stop by our Shelton Ave location. We're here to help.
Serving Statesville, Mooresville, Troutman, and surrounding areas in North Carolina. Customers travel up to 100 miles to work with Winn Auto and Services.
