Buy Here Pay Here Financing Near Oakridge, TN!

Are you looking to buy a vehicle near Oakridge, TN and face obstacles such as bad credit, no credit, prior repossessions, prior bankruptcy and financing difficulties? Smart Auto has you covered!


Our buy here pay here process means that you don’t need to go through the hassle of getting loans from a bank. You do it right here with us, because we are the bank! Getting a loan from the bank can be much harder especially if your credit isn’t where you want it to be. Smart Auto can actually help you repair your credit by reporting on-time payments to the three major credit bureaus monthly.


Bad credit (or no credit) can hold you back from taking necessary actions, such as purchasing a new vehicle. At Smart Auto, we work on a case by case basis and take more into consideration than just your credit when working with you. We don’t believe that things are black and white, we leave room for the grey area where most other car dealerships don’t. Smart Auto takes into consideration other factors, to get you on the road quicker.


So, Smart Auto’s buy here pay here dealership sounds pretty good, right? Well we’ve just begun! Smart Auto’s inventory is always refreshing and contains all different makes, models, and sizes. All vehicles go through a multi-point inspection to ensure you drive away in a safe, reliable car. When shopping at Smart Auto, you have the luxury of an on-site repair shop where you can bring your car back to and get serviced by someone you can trust, should you hit any bumps in the road!  


Down payments can cost a fortune, and many car lots can make you feel like you have to put thousands of dollars down on a car. At Smart Auto, we offer down payments as low as $95 so you don’t have to break the bank before you even own the vehicle. 


It only takes 90 seconds to apply for financing at!


Make your way to Smart Auto today for quality vehicles, a friendly team, and professional service at every step of the way. If you’d like to take advantage of these perks, reach out to us at and we’ll get started!