Welcome to Auto Finance Advantage (AFA) — Summerville’s trusted Buy Here Pay Here dealership. Located at 801 W 5th North St, Summerville, SC 29483, we’ve proudly served drivers across the Lowcountry for over 15 years. Our mission is simple: make car ownership easy, affordable, and stress-free for everyone, no matter your credit history.

Why Choose Auto Finance Advantage?

At AFA, we know that traditional car dealerships often make buying a vehicle stressful — especially if you’ve faced challenges with credit in the past. That’s why we do things differently. When you shop with us, you get guaranteed approval with no credit check. We believe that everyone deserves a safe, reliable car, and our job is to make sure you drive away happy.

Here are five key reasons drivers from Summerville, Charleston, North Charleston, Goose Creek, Mount Pleasant, Columbia, Savannah, and surrounding areas choose us:

Buy Here Pay Here – GUARANTEED APPROVAL
- No credit? Bad credit? Previous repossession? At AFA, it doesn’t matter. With our in-house financing, you’re automatically approved. We cut out the banks and lenders that say “no” so we can say “yes.”
100% Bumper-to-Bumper Warranty Included
- Every vehicle we sell comes with a full bumper-to-bumper warranty. That means you don’t just drive off the lot — you drive with peace of mind. From the engine to the electronics, you’re covered.
Never Be Stuck – Switch Anytime
- Life changes fast. Maybe your family grows, your commute changes, or you just want something different. At AFA, you’ll never feel stuck in the wrong car. You can switch vehicles anytime during your loan.
We Take Any Trade — Running or Not
- Got a car that won’t start? Or an older vehicle you’ve been meaning to replace? We take any trade, no matter the condition. Whether it runs perfectly or not at all, we’ll give you credit toward your next car.
Family Owned & Operated for 15+ Years
- As a locally owned business, we care about our neighbors. Our customers aren’t just numbers — they’re friends, family, and community members. For more than 15 years, we’ve built relationships across Summerville, Charleston, Goose Creek, and beyond.

Serving Summerville and the Surrounding Lowcountry

While our dealership is proudly based in Summerville, SC, our reach extends across the region. We regularly help customers from:

Charleston – historic charm meets modern needs, and we make sure Charleston drivers have reliable cars.
North Charleston – commuters and families alike depend on affordable, dependable vehicles.
Goose Creek – a growing community that trusts AFA for Buy Here Pay Here financing.
Mount Pleasant – we help drivers upgrade to quality used cars with confidence.
Columbia & Savannah – with larger populations nearby, many customers travel to Summerville for our unique approval process and flexible programs.

In total, we serve a surrounding population of over 879,000 residents across the Lowcountry and nearby Georgia communities. Wherever you’re from, if you can get here, you can get approved.

The Auto Finance Advantage Difference

What sets us apart isn’t just our financing — it’s our commitment to customer freedom and protection. Other dealerships may sell you a car and leave you on your own. At AFA, every deal comes with built-in benefits:

Guaranteed Approval – regardless of credit history.
No Credit Check – approval is based on your ability to pay, not your past.
Full Warranty Coverage – every car includes a 100% bumper-to-bumper warranty.
Flexibility to Switch – change vehicles anytime during your loan.
Trade-In Freedom – we accept any trade, running or not.

When you combine these advantages, it’s clear why so many shoppers choose us as their first stop for used cars in Summerville and Charleston County.

A Better Way to Buy a Car

Buying a car should feel exciting, not overwhelming. At Auto Finance Advantage, we keep it simple:

Pick a car you love. Our inventory is full of quality pre-owned vehicles inspected and ready to go.
Get approved instantly. No banks, no waiting, no credit checks. Just a fast “yes.”
Drive with confidence. Enjoy warranty protection and the freedom to switch if life changes.

Our process is designed for real people with real budgets. Whether you’re rebuilding after financial setbacks, starting out with no credit, or simply looking for an easier way to buy, AFA has your back.

Visit Us Today

We invite you to experience the Auto Finance Advantage difference. Stop by our dealership in Summerville, call us at (843) AFA-1234, or explore our website to browse inventory and apply online.

At AFA, you’re not just buying a car — you’re joining a community that believes in second chances, reliable transportation, and customer freedom.