Auto Financing That Works for You
Good credit, bad credit, or no credit — we have financing options for drivers across Selma, Smithfield, Clayton and the Raleigh area.
Get Pre-Approved1. Apply
Fill out our quick, secure online application in just a few minutes.
2. Get Approved
We shop your application to multiple lenders to find a program that fits.
3. Drive Home
Pick your vehicle and drive off the lot — often the same day.
Estimate Your Payment
Estimate only. Not an offer of credit. Excludes tax, title, registration & fees. Subject to credit approval.
Ready to get started?
Apply Online NowFrequently Asked Questions
What credit scores do you work with?
We work with a range of lenders and programs, including options for good credit, bad credit, no credit, and first-time buyers. There is no single minimum score, and all financing is subject to credit approval.
Do you offer bad credit financing?
Yes. We specialize in helping customers with challenged credit, no credit, and past credit issues explore financing options. We cannot guarantee approval, as it depends on lender criteria, income, and other factors.
What do I need to apply for a car loan?
Typically a valid ID, proof of income, and proof of residence. Apply online and we will let you know if anything else is needed.
Is applying online safe and free?
Yes. Our online application is secure, free, and puts you under no obligation to purchase.
Do you help first-time buyers?
Yes. We have financing programs designed for first-time buyers and people building credit. Approval depends on lender criteria and is not guaranteed for every applicant.
Where is Cartown Auto Sales LLC located?
Cartown Auto Sales LLC is located at 1555 Lizzie Mill Rd, Selma, NC 27576, in Johnston County, convenient to Smithfield, Clayton, Goldsboro, and the greater Raleigh area.