If you're considering a vehicle upgrade but still owe on your current ride—or you’re simply ready to move on from your existing car—you may be wondering: Can I trade in my vehicle at a Buy Here Pay Here (BHPH) dealership? At Auto Works in Greer, SC, the answer is a confident yes.
Serving customers throughout Greer, Spartanburg, Greenville, and Simpsonville, Auto Works is committed to helping you transition into a better, more reliable vehicle—even if you’re working with challenged credit or an active loan. This guide will walk you through how trade-ins work at a BHPH dealership like Auto Works, what to expect, and how it can benefit your financial and driving situation.
What Is a Buy Here Pay Here Trade-In?
A BHPH trade-in works similarly to trade-ins at traditional dealerships—you bring in your current vehicle, and the dealership offers a value that goes toward your next purchase. The key difference is that BHPH dealers, like Auto Works, handle both the financing and vehicle sale directly in-house.
We evaluate your car’s condition, mileage, and market value, and offer a fair appraisal even if you have bad credit, no credit, or are currently financing the vehicle elsewhere.
Start your trade-in process here:
Value Your Trade
1. Trading In Can Lower Your Down Payment
Many buyers in the Greer and Spartanburg areas use their trade-in to reduce the amount of cash they need upfront. If your vehicle has value—even if it’s not in perfect condition—we may be able to apply that amount toward your down payment or total vehicle price.
This is especially helpful for buyers who:
Are tight on cash but need a dependable vehicle
Want to upgrade to a more fuel-efficient or family-friendly option
Are looking to avoid taking out more debt than necessary
Check out our Inventory to see what your trade-in could help you drive away in.
2. Yes, You Can Trade In a Vehicle That’s Not Paid Off
If you still owe money on your current vehicle, don’t worry—it’s still possible to trade it in. Auto Works works with buyers in Greer and surrounding areas every day who are "upside down" or have active auto loans.
Here's how we can help:
We'll appraise your vehicle and assess its market value
We'll contact your lender to determine the exact payoff amount
If your vehicle’s value covers the payoff, great! We apply the remaining equity to your next vehicle
If you owe more than the vehicle is worth, we may be able to roll that balance into your next financing plan
Use our quick Pre-Qualification tool to see where you stand.
3. Trading In With Bad Credit? No Problem.
Traditional dealerships often hesitate to accept trade-ins when the customer has poor credit—but Auto Works operates differently. We specialize in second chances and make trade-in deals that work within your current financial reality.
If you’ve had:
…we’ve got your back. We’ve helped hundreds of customers across Spartanburg and Greenville get out of one car and into something better, all while helping rebuild their credit.
Learn more about our credit-boosting financing here:
Full Credit App
4. Vehicle Condition and Paperwork Matter
To make the trade-in process smooth and accurate, here’s what you’ll need to bring with you:
Your current vehicle (even if not paid off)
Your driver’s license
The vehicle’s title or payoff information
Service or maintenance records (optional but helpful)
Want to speed things up? Contact our team ahead of time through our Store Info page.
5. What Happens After the Trade-In?
Once we appraise your vehicle and finalize the numbers, we’ll:
Present you with available vehicles in your budget
Help you choose the best fit (SUV, truck, sedan, etc.)
Finalize your financing and paperwork in-house
Report your payments to credit bureaus to help rebuild your credit
Our customers often complete the process same day and leave our lot with a better, more reliable vehicle—and peace of mind.
Still not sure what vehicle you’re looking for? Use our Vehicle Locator Tool and we’ll do the searching for you.
Why Greer Drivers Trust Auto Works
Auto Works isn’t just a used car lot—we’re a full-service solution for drivers with unique financing needs. Whether you’re upgrading vehicles, trading in with a loan balance, or buying your first car, we’re here to help.
Locally owned and operated
Trusted by customers across the Upstate
Flexible payment plans
Fast, in-house decisions
No-pressure, helpful team
Proven reviews from real buyers just like you
FAQs
1. Can I trade in a car I’m still financing?
Yes! We’ll work directly with your current lender and determine the payoff, then apply equity (or roll in remaining balance) to your next vehicle.
2. Do I need a title to trade in my vehicle?
If you own the vehicle outright, yes. If you're still financing, we'll handle title and payoff coordination.
3. Will Auto Works accept older vehicles or those with high mileage?
Yes—we accept a wide range of vehicles. Even if it’s not perfect, bring it in for an appraisal.
4. Does trading in a vehicle reduce my down payment?
Yes! Your trade-in value can be applied to reduce or eliminate your upfront cash out-of-pocket.
5. What if I have bad credit? Will you still take my trade-in?
Absolutely. We specialize in bad credit, no credit, and challenged credit trade-ins and financing.
Ready to Upgrade Your Vehicle?
If you’re driving something that no longer fits your needs, it’s time to take the next step. Visit Auto Works in Greer, SC or start online today.
Value Your Trade
Browse Inventory
Apply for Financing
We say YES—when others say no.
