MODERN AUTOMOTIVE · BUY HERE PAY HERE
Buy Here Pay Here in Lafayette, TN
We do our own financing, right here on Highway 52 — no credit check, no bank in the middle, and down payments starting at $1,000. Macon County's own lot, approving Macon County people.
NO CREDIT CHECK · DOWN PAYMENTS FROM $1,000 · TAKES 3 MINUTES
No credit check, ever
Down payments from $1,000
12-month / 12,000-mile limited warranty
Make your payment on Highway 52
WHAT BUY HERE PAY HERE MEANS HERE
We are the lender. That's the whole difference.
At most dealerships, your application leaves the building. It goes to a bank in Nashville or a lender three states away, and somebody who has never driven Highway 52 decides whether you get a car. At Modern Automotive Group, we finance the vehicle ourselves. The decision is made at 2744 Highway 52 West by people who live here, and it does not involve a credit check.
So your score isn't what decides it — your down payment, your income and your willingness to make the payment are. Down payments start at $1,000, every vehicle we finance in house carries a limited 12-month / 12,000-mile warranty, and your payments come back to the same lot where you bought the car. When something comes up, you're not calling an 800 number in another time zone. You're calling (615) 688-7433.
What To Bring To The Lot
A valid driver's license, proof of income — pay stubs, a bank statement or a benefits letter — proof of insurance, and your down payment. Trading something in? Bring the title and both keys.
There's no credit check to prepare for, no co-signer requirement and nothing to print out ahead of time. Most of our customers walk in and drive out the same afternoon.
How The Down Payment Works
Down payments on our in-house financed vehicles start at $1,000, and the amount you put down is what sets your monthly note — a little more up front means a smaller payment every month.
You'll see both numbers side by side before you sign anything. Trade equity counts toward the down payment, and we'll make you a cash offer on what you're driving now whether you buy from us or not.
First Car, No Credit File
If you've never had a car loan or a credit card, a bank has nothing to score and usually just says no. We don't score you at all, so a thin file isn't a dead end.
A lot of first cars around here start this way — a new job in Lafayette, or a commute out toward Gallatin or Portland, and you need the car before any lender will approve you for one.
After A Repo Or Bankruptcy
A repossession or a discharged bankruptcy locks most lenders out for years. It doesn't lock us out, because we aren't pulling the report it's sitting on.
What we look at is what's true today: steady income and a down payment you can put together. We've financed a lot of second chances on this lot, and we'll be straight with you about what your money will buy.
What Macon County says about us.
3/20/2026
2/25/2026
2/24/2026
2/11/2026
HOW IT WORKS
Three steps, one afternoon, no bank.
You've probably sat through the long version of this somewhere else. Ours is about fifteen minutes of paperwork once you've picked out a vehicle.
1
Pick Out Your Vehicle
Walk the lot on Highway 52 West, or search the inventory from your phone before you drive over. Most of what we finance in house is SUVs, sedans and family vehicles, including third-row SUVs when you need the extra seats.
2
We Approve You In House
No credit check and no waiting on a lender to call back. We go over your income, your down payment and the vehicle you picked, and you get a yes or no while you're standing here.
3
Sign, And Drive It Home
Payment amount, due dates and warranty coverage all in plain numbers before you sign. Then the keys are yours, and you make your payments to us — online or in person at the lot.
Approved in Lafayette.
Not by a bank in Nashville.
Come see us at 2744 Highway 52 West, Monday through Friday, 8 to 6. Bring your license, proof of income and your down payment, and you can leave in a vehicle today. Or start the pre-approval from your phone and we'll have your options ready when you pull in.
NO CREDIT CHECK. NO OBLIGATION. SAME-DAY DECISIONS.
Visit our used car dealership conveniently located in Lafayette, TN: Near Gallatin, Hendersonville, Lebanon, Bowling Green, and Nashville.
Modern Automotive Group
Street address:
2744 Highway 52 West
Lafayette, TN 37083
Phone:
| Day | Sales Hours |
|---|---|
| Monday | 8:00 AM - 6:00 PM |
| Tuesday | 8:00 AM - 6:00 PM |
| Wednesday | 8:00 AM - 6:00 PM |
| Thursday | 8:00 AM - 6:00 PM |
| Friday | 8:00 AM - 6:00 PM |
| Saturday | Closed |
| Sunday | Closed |