604 Clark Drive Lincolnton, NC 28092 704-748-1890


  • Must be 18 years of age or older
  • Proof of $1500 gross monthly income (most recent pay stub(s)
  • Live in North Carolina
  • Possess valid driver's license
  • Proof of automobile insurance
  • 6 Personal References
  • Proof of Residency
  • Current Utility Bill


  • Short term financing enables you to upgrade sooner and re-establish credit quicker
  • Flexible payment schedule tailored to your pay day
  • Immediate Loan Approval
  • Locally Owned and Operated
  • 100% Credit Approvals!

GOOD Used Vehicles - We service all our cars trucks and SUV's before they are put on our lot for sale. On our Buy Here Pay Here vehicles we offer a 3 Day Money-Back Guarantee & 30 Day/1000 Mile Warranty. Good credit, bad credit, less than perfect credit... Come see us for a good quality vehicle. Buy Here Pay Here and traditional bank financing is available.

'Regardless of you credit history - slow pay, bankruptcy, repossessions, slow credit or even no credit we can help you. For your automotive credit preapproval call or complete our secure online credit application.'


Applicant Information
Applicant Employment Information
Additional Comments
I certify that the above information is complete and accurate to the best of my knowledge. Creditors receiving this application will retain the application whether or not it is approved. Creditors may rely on this application in deciding whether to grant the requested credit. False statements may subject me to criminal penalties. I authorize the creditors to obtain credit reports about me on an ongoing basis during this credit transaction and to check my credit and employment history on an ongoing basis during the term of the credit transaction. If this application is approved, I authorize the creditor to give credit information about me to its affiliates.

Welcome to Cars, Trucks & Credit Inc.

Let Cars, Trucks & Credit Inc. show you how easy it is to buy a quality used car in Lincolnton. We believe fair prices, superior service, and treating customers right leads to satisfied repeat buyers.

Our friendly and knowledgeable sales staff is here to help you find the car you deserve, priced to fit your budget. Shop our virtual showroom of used cars, trucks and suv's online then stop by for a test drive.
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