Top 6 No Money Down Car Dealerships In Columbia, SC

Are you looking for No Money Down Cars in Columbia, SC?

If you are looking for no money down cars in Columbia SC do not worry. You are not the only person in work that has bad credit or cannot afford a down payment.

It is imperative that you know exactly where you can scoop a no money down car deal. Although some banks and dealer may not help you with that, there are quite a number of dealerships that will help you get a no money down car deal in Columbia just to list a few.

For an idea on how no money down car loans work for people with bad credit, watch the following video:

I have prepared the following article for you to help you understand the steps you can take to find the best no money down cars and dealerships located in Columbia, South Carolina.

Top 6 No Money Down Car Dealerships In Columbia, SC:


J.D. Byrider-Columbia is a car dealership that deals in used cars of a wide variety. They offer no money down car deal in Columbia. They offer low monthly payments among which is a down payment for as low as $0. They also cater to people who have past bankruptcy. 

They offer detailed car inspection before handing you the keys. They offer a comprehensive Reconditioning so that though you will be getting a used car, it will look good and ensure that it’s safe as well as dependable.

They also offer a variety of great warrant or optional service agreements for each vehicle listed on their lot and an on-site service that keeps you on the road. 

You are also given the option of applying online using a user-friendly form. From there, you will see your eligibility depending on your financial details. You will also be able to see the cars that are available for you in your current financial state.

J.D. Byrider

Address: 3815 W. Beltline Blvd, Columbia, SC 29204

Phone: (803) 250-3727

or visit their website 



The next option is DriveSmart car dealership. This dealership also deals in used but reliable cars. Their shopping process is easy, straight forward and hassle- free. They offer deals to people with good credit, moderate credit or bad credit with the same quality treatment. 

They also offer no money car deals that are suitable for your financial status of any kind. And as a bonus, they do their own financing so that gets rid of the need to wait long hours for them to get the numbers in order. Through an effective system either online or a physical visit, you will see what car you want and the most suitable deal for you. And shortly after you would have closed the deal on you no money down car.

To contact them the details are here below for you.


Address: 7934 Garners Ferry Road Columbia, SC

Phone: (803) 726-3680

Or read more on their website


3. CarsDirect

CarsDirect offers you unique ways to help you buy a new car or a used one depending on your options. They also help you get an auto loan or a trade-in value. They offer deals on Hybrids, Electric cars, diesel automobiles, and fuel-efficient cars both new and used. These options are also available to you on a no money down offer. 

Unlike other car dealerships, with CarsDirect, you can get the pricing on the websites without initially submitting your personal information first. This gives you the option of making a complete decision before you decide to make a deal with them.

They offer auto loans and no money down car deals regardless of your credit score, so you could have but credit or even be bankrupt and still find a no money down car deal that suits you. 

All you have to do is submit your form online with a user-friendly form. Then they will review your financing options and their dealer partner will get back to you within 24 hours to discuss your options. Then find the car that best suits you from a wide variety of new and used cars depending on your choice and eligibility. Then drive your car.

Check out their website



Classic-Ford Columbia is another dealership that will help you with a no money down car deal. They offer what they call Fresh Start Financing designed specifically for people with no credit or bad credit. They give you a variety of options to choose from with a no money down deal of course. You will get to choose from a range of used cars to brand new vehicles of your choice and eligibility. 

All that is required of you is to bring the right documentation such as a valid driver’s license, proof of insurance, proof of residency, proof of employment or consistent source(s) of income or a pay stub stating your most current annual earnings, a list of personal references and a valid phone number that can be verified. 

Once you provide these details, they will assess your eligibility and discuss with you which deal best suits you then you can get that no money down car deal. 

Classic-Ford Lincoln 

Address: 177 Greystone-Boulevard Columbia, SC – 29210

Phone: 803-779-3673

Sales: 888-416-4559

Service: 888-398-0466

Parts: 888-379-8817



Among numerous automotive services, Jim-Hudson Automotive-Group has a specific service designed for people with bad credit and bankruptcy issues. They have an accredited financial team that will work with you either in person or via phone or even online to help you secure that no money down car deal. 

They also offer extra information on the various deals available to you within your eligibility. Their team will work with you through their approval system and ask you about the vehicle you’re looking to acquire. They offer a no money down deal with both new cars and used cars of a wide variety. 

Jim Hudson-Lexus of Columbia

Address: 328 Kilian Road Columbia – SC 29203



Although Midlands Auto-Sales is not really based in Columbia, they do have a service that can get you a no money down car deal in Columbia. Midlands offers a variety of vehicles from major brands you can count on, be it Trucks or an SUV they have them all available. 

Their paperwork is user-friendly plus they have a good support team on standby to guide you through the process. 

They also have a special service for those with bad or no credit issues and that’s where you will find you no money down car deals. You simply browse through their inventory online, call them, or visit them if you don’t mind moving over to Lexington for those in Columbia. Once you have worked out the approvals with them, you are good to go. 

Midlands Auto-Sales

Address: 4481 – Augusta Rd, Lexington, SC – 29073

Phone: 803-951-0234 

Or visit their site:

How To Find Bad Credit Auto Loans:

One of the more popular internet searches is for bad credit financing car loans. People are looking to get a bad credit car loan to help them find the perfect car. Some people have come to learn the hard way that if they have a bad credit history, it is difficult to buy here pay lenders willing to offer a true no money down payment auto lending program.

But what most people have overlooked is that cash out of pocket is not the only way to make a down payment. Some dealers out there are willing to offer you a deal suitable for you regardless of your credit score.

Sometimes people don’t know how good or bad their credit score is. For instance, some dealers will tell you that a credit score of 650 and above is bad and won’t get you the auto loan that you need.

But with a 650 and above loan you can actually qualify for some decent options and you shouldn’t get an APR of above 11% but if you do have a credit score lower than 650, then you could be eligible for higher APR loans depending on how low your credit score actually is. 

It’s important to note that some dealers will tell you that your credit score is bad for the purpose of convincing you to make a down payment for your car or at least think that it’s mandatory. But the truth is with no money down deals, you don’t have to make a cash down payment.

In this article, however, we will be looking at how to find No Money Down Cars in Columbia SC (South Carolina)

What Is a No Money Down Car?

One of the greatest misconceptions about car deals is that one cannot get a car deal with a bad credit score. Some people don’t know that the no money down car option is even an option.

So what is a No money down deal?

A no money down deal is basically a loaning option that allows you to get a vehicle on credit with making a down payment in cash. There are basically two other ways one can make a down payment other than cash out of pocket methods. 

The first one is called Rebates; A rebate is an amount paid by way of reduction, return or refund on what has already been paid or contributed. Many lenders will allow customers to use a new car rebate in order to meet all or a portion of the minimum required down payment.

The second option is called Trade Value. In trade value, you get some form of equity in the trader. For example, let’s say you have a car that’s high on mileage with a couple of other unsuitable issues. And let’s say your vehicle is basically scrap.

Then the dealership, however, appraises your vehicle at say $200 dollars. You are at this time hypothetically looking at purchasing a vehicle worth $10,000 with no money down. 

But the lender requires a minimum of $1,000 down payment. The finance manager will foster a deal will a selling price of $10,800 and gives you a $1,000 for the trade in instead of $200 making the net difference in the transaction about $9,800 which is equal to what it would have been if the dealer had sold the car for $10,000 and had given you $200 in the trade in for your busted car.

That way, you’ve found a way to get that down payment with no money down by trading in your damaged car. 

It makes it an ideal option if you don’t have the cash to make a down payment due to bad credit or if you are in a tight spot financially. Simply make sure you know what your credit score is, weigh your financial options and see if you can score a no money down deal.


Financial limitations are real, whether caused by unforeseen circumstances or some bad decisions. But that shouldn’t stop you from getting the car that you want. And with no money down car deals, it is possible. It’s not just a deal for the financially challenged, it can work out for anyone and that’s the beauty of it. 

For more information on how to buy cars with bad credit or for no money down, be sure to read the following related articles.

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