If you’re one of the many drivers in Greer, Spartanburg, Greenville, or Simpsonville struggling with bad credit or no credit, buying a used car might seem like a long shot. But at Auto Works, we believe every customer deserves a second chance—and that includes the opportunity to rebuild their credit while getting a reliable vehicle.
Through our Buy Here Pay Here (BHPH) and in-house financing programs, we’ve helped hundreds of Upstate South Carolina drivers take control of their credit by doing something they need anyway: making on-time car payments. In this post, we’ll walk through exactly how that process works and why so many customers trust Auto Works to help them rebuild their financial future.
Why Credit Scores Matter When Buying a Car
Your credit score is more than just a number. It determines:
What interest rates you qualify for
Whether banks or lenders will approve you
How much of a down payment you might need
How much insurance will cost you
Many traditional dealerships rely entirely on your credit score to determine eligibility. If your score falls below a certain threshold, they’ll send you away—regardless of your income, stability, or circumstances.
That’s where Auto Works comes in. We offer a different path forward, with flexible financing and a chance to rebuild your score from the ground up.
What Is Buy Here Pay Here Financing?
At Auto Works, we finance your purchase in-house. That means you don’t need to go through a bank, credit union, or third-party lender. Instead, we work directly with you to approve and service your loan.
Our Full Credit Application is fast, simple, and doesn’t require perfect credit. Whether you’ve faced:
…we’ll help you drive away with a dependable used car and a plan to rebuild your credit along the way.
How Auto Works Reports Your Payments
One of the most important things we do differently is report your payments to the major credit bureaus. This allows every on-time payment you make to:
Many BHPH dealers do not report to credit bureaus—meaning you’re making payments, but getting no credit for it. At Auto Works, your hard work counts.
Looking for budget clarity? Use our Loan Calculator to explore payment options that fit your finances.
Real-Life Benefits of Credit Rebuilding
As your score improves, you may begin to qualify for:
Better car insurance rates
Lower credit card interest
Pre-approval for future car loans
Mortgage eligibility
Increased financial confidence
By starting with a Pre-Qualification at Auto Works, you can take the first step toward these benefits without the hassle of traditional financing.
Consistency Is Key: Building Your Payment History
One of the biggest components of your credit score is your payment history—accounting for 35% of your total score. That’s why making consistent, on-time payments on your auto loan with Auto Works can have such a powerful impact.
We offer flexible weekly, biweekly, or monthly payment plans that work with your income, helping you stay on track and never miss a due date.
We Make the Process Simple
Rebuilding your credit can feel overwhelming, but we make it easy:
Apply online or in person
Choose from a wide selection of used vehicles in our Inventory
Make affordable payments through in-house financing
Build your score every month through on-time payments
Upgrade later once your credit improves
You can even trade in your vehicle to reduce your initial out-of-pocket cost.
Why Credit-Challenged Buyers Trust Auto Works
Auto Works is more than just a car lot. We’re a partner in your financial recovery. Here’s why our customers keep coming back:
We treat you with respect, no matter your credit
We offer genuine second-chance financing
Our team is local and knowledgeable
We educate you on credit and loan management
We deliver reliable vehicles that support your daily life
Want to see what others say? Check out our verified customer reviews.
FAQs
1. Do all Buy Here Pay Here dealers report payments to credit bureaus?
No. In fact, many don’t. Auto Works is different—we report your on-time payments to help you improve your credit score.
2. How long does it take to see my credit improve?
Most customers begin seeing positive changes within 3 to 6 months of consistent payments.
3. Can I rebuild my credit even if I’ve had a repossession?
Yes. Auto Works works with buyers who’ve experienced repossessions and helps them start over.
4. How often are my payments reported?
Payments are typically reported monthly, as long as they are on time and up to date.
5. Do I need to have credit at all to qualify for financing?
No. We work with first-time buyers and customers who are just starting their credit journey.
Ready to Take the First Step?
If you’re ready to turn your car payments into credit progress, Auto Works is ready to help. Visit us at 816 W. Wade Hampton Blvd, Greer, SC, or explore your options online today.
Let’s rebuild your credit—one payment at a time.
