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What is Buy Here Pay Here?
Buy Here Pay Here refers to a type of car buying where there are no banks involved. The dealer provides the entire purchasing arrangement without the traditional requirements for approval.

Buy Here Pay Here Usa in Cleveland, Tennessee

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Buy Here Pay Here Usa
440 3rd Street Sw
Cleveland, TN 37311
(423) 476-4600
Buy Here Pay Here Usa

Buy Here Pay Here USA is the Chattanooga area's premiere pre-owned auto dealership geared toward helping good people with bad credit or no credit get a great car and rebuild their credit along the way. Since we opened our first lot in Cleveland, TN in 2006 we have helped thousands of people with previous bankruptcies, repossessions, foreclosures, large medical bills, and other credit issues acquire a vehicle. In most cases we can have you approved in less than half an hour based on your steady job or income. We take pride in offering second chances to good people. We report to major credit bureaus so that we can help you establish new credit or rebuild your credit.

No Credit, Bad Credit? No Problem.

Don't have great credit? That's okay! At Buy Here Pay Here USA your income is your credit. All you need is a job and we can get you driving today. Our easy, in-house financing will help you get payments you can afford.

Low Down Payments

We offer small down payments on our quality inventory. We even finance the sales tax and tag.


We take pride in being one of the only used car dealers in the Chattanooga area that offers a warranty. We give you peace of mind in knowing that your used car comes with a warranty.

Free Oil Changes

Become a preferred customer and earn FREE oil changes every 90 days for the life of the loan by signing up for Auto Pay. Signing up for Auto Pay not only ensures your vehicle is serviced regularly, but also saves you time and gas money by not having to drive or call in your car payments!


The Buy Here Pay Here USA family has over 50 years combined experience in the auto finance industry. We opened our Cleveland store in 2006 and our Dayton location in 2007, and we have helped put people in the drivers seat ever since. So before you purchase your next pre-owned car, we invite you to visit us first for a better car buying experience.

Buy Here Pay Here Usa welcomes you to visit them at 440 3rd Street Sw in Cleveland. Call (423) 476-4600 for store hours.

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