What if my credit is bad?
Then you are who we are for. We finance in-house, so no outside bank gets to decide. Bankruptcy, a repo, no credit at all — apply and we will tell you where you stand.
Buy here, pay here · Jackson, Tennessee
Approved where other lots said no.
We finance the cars we sell, so we decide who drives away — not a bank you never meet. Tell us a little and we will tell you what you can do today.
- We look past the score
- Bad credit, no credit, first-time buyer, bankruptcy, previous repo. We finance here, so the decision is ours.
- No hit to your credit
- Seeing your options does not affect your credit score. Nothing is final until you say so.
- About two minutes to start
- A few minutes on your phone. Finish it now or pick it back up later from the link we send you.
Rather talk to someone? (731) 624-1000 · 1377 US Highway 45 Bypass South, Jackson
How it works
What actually decides your approval
Not a credit score on its own. We look at what you earn, where you live, what you can put down, and what you are trading in — then we tell you what you can do.
What do you actually look at?
What you earn and how steady it is, how long you have been at your address, what you can put down, and what the car costs. Terms depend on you and the vehicle, so we will not guess before we know.
Buy Here Pay Here Options
Bad Credit Financing
Comprehensive Service Contract Available
Deductibles As Low As $0
12-Bay Service Department
Jackson, TN
Start anywhere
Shop the way you actually shop
By what you can put down, by what you can pay every other week, by body style, or just by what landed this week.
Shop Cars
Daily drivers and commuter-friendly options.
Shop Trucks
Work-ready pickups and weekend utility.
Shop SUVs
Family space, comfort, and West Tennessee versatility.
Under $400 a month
Estimated payments at or under $400. The estimate is on every card.
Under $2,000 down
What you can get into with the cash you have now.
Newest arrivals
The later-model end of the lot.
Under $20,000
Everything priced at or under twenty thousand.
Trade-In Friendly Deals
Upgrade using your current vehicle as part of the plan.
On the lot
Ready to drive today
Every one of these is here in Jackson, inspected, and financeable in-house.
2019 Honda HR-V
107,588 miles | SUV | Gas
Estimated bi-weekly payment
$353
$2,300 down, 42 mo., 19.99% APR estimate. Terms vary after underwriting review.
Price$23,488(vehicle $22,999 + $489 dealer fee)Price includes $489 dealer fee; plus tax, title and registration.
Website InventoryFinancing AvailableService Contract Eligible$0 Deductible Options
2015 Honda Odyssey
125,863 miles | SUV | Gas
Estimated bi-weekly payment
$323
$2,100 down, 42 mo., 19.99% APR estimate. Terms vary after underwriting review.
Price$21,488(vehicle $20,999 + $489 dealer fee)Price includes $489 dealer fee; plus tax, title and registration.
Website InventoryFinancing Available
2018 Toyota Camry
128,698 miles | Car | Gas
Estimated bi-weekly payment
$404
$2,900 down, 48 mo., 19.99% APR estimate. Terms vary after underwriting review.
Price$29,488(vehicle $28,999 + $489 dealer fee)Price includes $489 dealer fee; plus tax, title and registration.
Website InventoryFinancing Available
Where you are starting from
Whatever happened before, start here
Bankruptcy, a repossession, no credit at all, or a first car — none of those end the conversation.
Buy Here Pay Here
In-house financing options for Jackson, TN shoppers who want a local path to reliable transportation.
- Underwriting review for many credit situations
- Terms vary by customer and vehicle
- Apply to see your options before visiting
Bad Credit Auto Loans
Second chance financing paths for shoppers rebuilding credit in West Tennessee.
- Credit-challenged buyers are welcome to apply
- Income, residence, down payment, and vehicle selection matter
- A trade-in may help improve available options
No Credit Auto Loans
Options for first-time borrowers and shoppers who have not built a credit history yet.
- Apply online before choosing a vehicle
- Bring proof of income and residence
- Down payment requirements vary by underwriting review
First-Time Buyer Program
A practical starting point for new drivers and first-time car buyers who need clear next steps.
- Simple application process
- Payment-focused vehicle guidance
- Support from application through delivery
Bankruptcy Auto Loans
Financing options may be available after bankruptcy depending on income, verification, and vehicle selection.
- Apply to review current options
- Bring available court or discharge documents if requested
- Approval decisions are subject to lender or dealer program review
Previous Repo Financing
Previous repossession does not have to stop you from exploring transportation options.
- Financing paths may be available after review
- Down payment and income verification are important
- Prime Auto USA can help review realistic choices
Trade-In Assistance
A trade-in may help lower your down payment or monthly payment when upgrading.
- Fast estimate process
- Local trades wanted
- Compare your offer and review upgrade options
Payment estimates, approval decisions, terms, down payments, rates, taxes, fees, and available vehicles are subject to credit profile, income, residence, vehicle selection, verification, underwriting review, lender/dealer approval, signed documents, and applicable law. Online tools answer questions and collect information; approval can only be issued after underwriting validation. Not all applicants will qualify. See dealer for details.
Vehicle Service Contract
Protect Your Vehicle From Unexpected Repair Costs
Prime Auto USA offers comprehensive Vehicle Service Contract options that can help cover major and minor mechanical repairs. Deductible options may be available for as low as $0, helping customers keep their vehicle on the road with more confidence.
Major and minor repair coverage available
Deductible options as low as $0
Helps reduce unexpected repair expenses
Coverage options may be included with financing
Support through Prime Auto USA's service network
Designed for peace of mind after purchase
Vehicle Service Contract availability, coverage, deductible, exclusions, and claims process vary by plan, vehicle, mileage, term, and provider. Deductible options may be available as low as $0 on select plans. See contract for complete details.
This Vehicle Service Contract is provided as a current review copy for customer convenience. The actual VSC that applies to any purchase will be based on the contract and related documents signed by the customer and Prime Auto USA. Provider, coverage, exclusions, deductible, term, pricing, vehicle details, and other terms may vary from this review copy.
Trade or sell
Bring your old one
A trade can cut what you put down. We also buy outright — you do not have to be buying from us.
Get a fast trade or purchase review
Trade-ins may help lower your down payment or bi-weekly payment
Prime Auto USA buys select cars
Best fits include clean-title cars, trucks, and SUVs that run and drive
Compare your offer
Same VIN, condition, photos, payoff, and market-data review
Why us
We are still here after you drive off
We hold the loan and we service the cars, so keeping yours running is our problem too.
Jackson, TN dealership
Local support before, during, and after the sale.
Flexible financing options
Apply online and let underwriting review your exact file.
Credit-building reporting
For customers who want to build payment history, Prime Auto USA reports to all three major credit bureaus.
12-bay service department
Oil changes, OEM recommended service, and appointment work.
Service Contract options
Coverage options may help reduce unexpected repair costs.
Trade-in support
Your trade may help lower the required cash down.
Large used inventory
Shop cars, trucks, and SUVs for real-world budgets.
Local customer support
Get answers from a team that knows West Tennessee drivers.
Clear application process
Step through Fast Approval, full application, and documents.
Reviews
What our customers say
Straight from Google. Read the rest of them there.
Before you apply
The questions we get asked most
If yours is not here, ask us in the chat or call. Nobody will pressure you.
Does Prime Auto USA offer Buy Here Pay Here financing?+
Yes. Prime Auto USA offers Buy Here Pay Here options in Jackson, TN and nearby West Tennessee communities. Apply to see which options may fit your income, down payment, and vehicle selection after underwriting review.
Can I get approved with bad credit?+
Bad credit does not automatically prevent you from applying. Prime Auto USA can answer questions and collect your application, but approval decisions can only be made by underwriting after reviewing credit profile, income, residence, down payment, vehicle choice, and verification.
Can I get approved with no credit?+
No credit shoppers and first-time buyers are welcome to apply. Underwriting reviews income, residence, down payment, vehicle selection, and verification before any approval decision is made.
Can I get a vehicle after bankruptcy?+
Options may be available after bankruptcy. Apply online or contact Prime Auto USA so the team can review your situation and next steps.
Can I get approved after a repossession?+
Previous repossession does not have to stop you from exploring financing. Underwriting reviews each application based on income, down payment, vehicle, residence, and verification.
What documents do I need to apply?+
Most shoppers should be ready with a valid driver license, proof of income, proof of residence, insurance information if available, and trade-in details if they have a vehicle to trade.
How much down payment do I need?+
Down payment needs vary by vehicle, income, credit profile, trade-in value, and underwriting review. The best next step is to apply and review current options with the Prime Auto USA team.
Does Prime Auto USA offer service contracts?+
Yes. Prime Auto USA offers comprehensive Vehicle Service Contract options that can help protect customers from unexpected repair costs.
What does a Vehicle Service Contract cover?+
Coverage varies by plan, vehicle, mileage, term, and provider. Options may include major and minor mechanical repair coverage, with exclusions and claims process described in the contract.
Are $0 deductible options available?+
Deductible options may be available as low as $0 on select Vehicle Service Contract plans. Ask Prime Auto USA which protection options may fit your vehicle and financing.
Can I trade in or sell my current vehicle?+
Yes. Prime Auto USA wants local trades and may buy select vehicles outright. The same VIN, condition, payoff, photo, CARFAX, OEM maintenance, and market-data review is used for trade-in and purchase conversations. Final values require inspection, title and payoff verification, reconditioning review, and manager approval.
Can I apply online before visiting?+
Yes. You can start online with the financing form, then the Prime Auto USA team can follow up about available options and documents needed.
Where is Prime Auto USA located?+
Prime Auto USA serves Jackson, Tennessee and West Tennessee drivers from 1377 US Highway 45 Bypass South in Jackson, TN. The contact page includes phone, address, map, and directions details.
Come see us
We are on the US-45 bypass
Jackson, and everywhere around it. Walk in, or book a time and we will have the car pulled up front.
Location
Prime Auto USA
1377 US Highway 45 Bypass South
Jackson, TN 38305
(731) 624-1000
Ready to Get Approved?
Start online with a simple financing request and let Prime Auto USA follow up with next steps.