Buy Here Pay Here FAQs for Used Cars in Knoxville & East Tennessee
Have questions about Buy Here Pay Here financing in Knoxville, TN? You’re not alone. At Cherokee Auto Sales, we’ve helped drivers from across East Tennessee, including Maryville, Clinton, Oak Ridge, and Fountain City, understand how in-house financing, low down payments, and no credit car loans work. Whether you’re shopping for a used car with bad credit, no credit, or just a valid ID, this page covers the most common questions we hear from local drivers.
Financing & Approval FAQs
No — a valid state-issued ID is accepted.
Just your ID and the last 3 paycheck stubs.
Most approvals take 4–5 minutes — we can have you in and out within an hour.
Yes! Use our Get Approved form to pre-qualify.
No traditional credit check — we focus on employment and stability.
Ready to get started?
Insurance, Payments & Warranty FAQs
Yes — in-house insurance is just $27/week.
You can make payments in-store, or Make a Payment online.
Every car has an available 1-year vehicle service contract.
Yes — refer friends and family to earn up to $1,500.
With our in-house insurance, we’ve got you covered with the basics.
Have More Questions?
Other Common FAQs About Used Car Buying in Tennessee
Yes — at Cherokee Auto Sales, we accept valid IDs, and Tennessee law allows BHPH dealers flexibility with documentation.
You’ll typically pay state sales tax, title, and registration fees, which are discussed during your approval process.
Yes! Many customers we work with have no credit or bad credit — our in-house financing was built for you.
Yes! You are required to have minimum liability insurance policy at the time of sale. After 30 days you are able to enroll in our in-house insurance for $27/week. See dealer for complete details.
If you need a second chance or want fast approval with flexible terms, BHPH can be a great fit. Learn more about our financing.
Have More Questions?
Your Trusted Source for Buy Here Pay Here Answers in Knoxville, Maryville, Clinton & East Tennessee
At Cherokee Auto Sales, we’ve proudly served the Knoxville, TN area for over 50 years, offering flexible Buy Here Pay Here financing, low down payment used cars, and a team that treats you like family. Whether you live in Knox County, Anderson County, or Blount County, we make car buying easy and stress-free. From in-house insurance to a 1-year vehicle warranty, our goal is to help you drive away with confidence.
We serve customers from across East Tennessee, including Maryville, Clinton, and Sevierville — and we’re just a quick drive from Oak Ridge and Fountain City.
Want to learn more about BHPH laws in Tennessee? Visit TN.gov’s used vehicle resources.
👉 Contact Us | ✅ Apply for Financing | 🚗 Shop Inventory
