How buy here pay here works for New Smyrna Beach buyers
With buy here pay here, the dealership is also the lender: you choose a vehicle, agree on a down payment and payment schedule, and make your payments to the dealer. DriveWide offers that in-house route, and we also submit applications to banks and credit unions so you can see which option costs less overall.
New Smyrna Beach has few in-house financing options of its own, so most buyers already drive to Edgewater, Port Orange, or Daytona Beach to compare. Our inventory is online with prices, so you can decide whether the trip is worthwhile first.
This page covers what New Smyrna Beach shoppers need to know. For a full comparison of in-house loans against bank and credit-union financing, read our main guide to buy here pay here in Daytona Beach.
- 01Apply online from home; it takes a few minutes.
- 02We review your credit report, income, and down payment.
- 03We tell you which vehicles and loan options fit before you drive over.
- 04Visit the lot, inspect and test drive, and sign only when the numbers are clear.
Yes, there is a credit check
Some lots advertise “no credit check.” DriveWide does not. We pull credit on every application, including for our own in-house loans, because the report helps us set a payment you can keep up with and shows whether a bank or credit union would approve you at a lower cost.
A low score, no score, a past repossession, or limited history does not automatically mean no. Those situations are the reason the in-house option exists. Approval, down payment, and terms depend on your full application.
$500 down options for New Smyrna Beach
Programs start at $500 down, subject to approval. The amount you need depends on the vehicle price, your income, and your credit file; a larger down payment generally lowers the payment and the total cost of the loan.
Between US-1, the causeways, and SR-44, New Smyrna Beach drivers put steady miles on a vehicle. Match the loan length to how long the vehicle is likely to serve you.
See how low-down approvals are structured in our $500 down guide, or browse vehicles under $15,000 currently in stock.
Getting to DriveWide from New Smyrna Beach
DriveWide is at 1312 LPGA Blvd, Daytona Beach, FL 32117, about 17 miles from New Smyrna Beach (roughly 25 to 30 minutes, depending on traffic). Take US-1 or I-95 north to LPGA Blvd (Exit 265).
We regularly hear from shoppers around Canal Street, Venetian Bay, Beachside, Samsula, Turnbull Bay, and Edgewater. Call or text before you leave to confirm the vehicle you want is still on the lot.
Looking for general inventory and directions rather than financing? See used cars near New Smyrna Beach.
New Smyrna Beach buy here pay here questions
Is there a buy here pay here dealer near New Smyrna Beach? DriveWide is about 17 miles from New Smyrna Beach at 1312 LPGA Blvd in Daytona Beach, roughly 25 to 30 minutes by car. We offer our own in-house buy-here-pay-here loans alongside bank and credit-union financing.
Does DriveWide run a credit check for buy here pay here? Yes. Every application includes a credit pull, including in-house buy-here-pay-here loans. A low score, a thin file, or past credit problems do not automatically rule you out; we use the report together with income and down payment to find a loan that fits.
Can I get a car with $500 down from New Smyrna Beach? We offer programs starting at $500 down, subject to approval. The down payment required depends on the vehicle, your income, and your credit file, so the fastest way to find out is to apply online before you visit.
What should I bring from New Smyrna Beach? Bring a valid driver’s license, proof of income, proof of residence, and your down payment. If you are trading a vehicle, bring the title or your lender’s payoff information.