County NC Buy Here, Pay Here Program - KarMike USA

At KarMike USA, we’re revolutionizing the BUY HERE PAY HERE INDUSTRY! we want to not only be your one stop store, but also keep you as a customer for life. That is why we are both, a traditional auto dealership that offers traditional financing with both local and national lenders but also a regional buy here pay dealership which helps people get a vehicle when you do not qualify to get a traditional loan via a bank or credit union. Our only goal is simple. If you don’t already have the credit to get conventional financing, then let us help you get it established through our buy here pay here program. Vehicles range in price as low as $6,999 to $23,999. No one in eastern North Carolina offers this much variety.

NEW: Type the price of a vehicle in to the AI bot located in the lower right hand corner of this website to see if that vehicle is a buy here, pay here or requires bank financing (eg. Is $9,999 a buy here pay here?)

Our buy here, pay here program serves the following counties.

Carteret County
Craven County
Onslow County
Pender County
Jones County
Pamlico County
Lenoir County



Note: If you're not in one of the above county locations, we can still help you get a vehicle in our local buy here pay here program. Please text 252-227-0158 for locations in NC not serviced above.

What are the Qualifications?

Vehicles under $12,999 

NO CREDIT REPORT REQUIRED.

Down Payments range from as low as $800.

Proof of income.

Proof of Residence.

Valid Driver’s License.
 

Vehicles over 12,999

Credit report is required.

Down payments are:

  • 25% Down on new customers

  • 20% Down payment on existing or previous customers in good standing

Proof of income. Your payment cannot exceed 20% of your gross income.

Proof of residence.

Must have full time employment.

Valid NC driver’s license.

Vehicles Under $6,999 are cash vehicles.

What do you get when you purchase one of our buy here pay here vehicles:

We at KarMIke USA believe in total transparency. No gimmicks, No bull. That is why we also offer:

  • A FREE 36-month warranty on the engine and transmission (Certain restrictions apply.) A 36-month warranty that covers other components is available. See dealer for details.

  • A FREE 7 day/400 mile “Check engine” Light warranty. This way you are assured that we did not temporarily turn off the check engine light like some of our competitors do.

  • A 3 day/ 300 mile exchange. If you don’t like the one you chose, come back and pick out another one.

  • A free 12th payment cancellation policy. After your 12th payment, if you want to trade it in for a different vehicle, just bring it in, buy another vehicle and drive away. Any balance on your previous vehicle will be forgiven.

  • Our vehicles priced under $13,000 average 20,000 miles LESS than our competitors. That means more value to you, the customer.