I’m searching around the Chattanooga and Cleveland area for a decent car lot that does their own financing. My current ride just cost me about a thousand bucks in fixes and now the rear window on my convertible completely fell out. I’m pretty much broke after those repairs and getting stressed about the whole situation. Instead of throwing more cash at this broken car, I’d rather find something different. Does anyone know of trustworthy dealers that have in-house financing and sell dependable vehicles? I can’t drive too far with my current car being in such bad shape, so I need something local. Any suggestions would be really helpful right now.
Man, that convertible situation sounds like a nightmare. When the rear window just falls out, you know it’s time to walk away from that money pit.
I don’t have specific lot recommendations for your area, but here’s what I learned from my BHPH experience a few years back - bring whatever documentation you can even if your credit is shot. Pay stubs, bank statements, anything showing some income consistency. These places want to see you can make payments more than they care about your credit score.
One thing nobody really talks about is timing. End of the month is usually better because salespeople are trying to hit quotas. Also, don’t be afraid to walk away if something feels off. Yeah, you need a car, but getting stuck in a predatory loan situation just makes everything worse.
The weekly payment thing can actually work in your favor if you get paid weekly, makes budgeting easier. Just make sure you understand exactly what happens if you’re late on a payment. Some places will repo after being a few days late, others are more reasonable.
Honestly though, with your current car being undrivable, you might want to see if any of these lots offer pickup service or can work something out. Worth asking when you call.
Check out Rick Reed Auto Sales on Keith Street - they’ve been doing BHPH in Chattanooga for years and have a decent reputation. Their approval process is straightforward and they typically work with people in tight spots. Another option is Auto Credit Express on Broad Street, though their inventory turns over quickly so call first. Both report payments to credit bureaus which helps long-term. Expect weekly payments around $80-120 depending on the vehicle, and most require proof of income plus references. The interest will be high (18-25% range), but focus on finding something reliable rather than pretty. Toyota Camrys, Honda Civics, or Ford Focus models from their lots tend to be your safest bets. Avoid anything with over 150k miles if possible. Get any verbal promises in writing and read the contract carefully - some add fees that aren’t mentioned upfront. Given your current car troubles, moving fast makes sense, but don’t let desperation cloud your judgment on obviously problematic vehicles.
BHPH lots have definitely gotten more competitive lately, especially with rates where they are now. Most of these dealers are paying more for inventory at auctions, so they’re passing those costs along. I’ve noticed a lot of them are being more selective about their approvals too - the days of approving anyone with a pulse seem to be winding down in some markets.
For your situation, I’d honestly suggest calling ahead and asking about their current inventory turnover. Some lots are sitting on cars longer than they’d like, which might work in your favor for negotiating. Also worth asking if they report to credit bureaus - some do, some don’t, and it could help rebuild your credit if you’re consistent with payments. 
The repo market has been interesting to watch this year. Dealers are definitely more cautious about who they’re financing, but that convertible situation sounds rough. Sometimes it’s better to cut your losses and move on rather than keep sinking money into repairs.