📢 Vacation NoticeEric Johnson Auto Sales will be closed for vacation August 1–14. We will reopen on Saturday, August 15 at 11:00 AM. While we're away, you can still: Browse our inventory Submit a financing application Our AI assistant is available 24/7 to answer questions about our inventory and financing. Leave us a message We look forward to helping you when we return. Thank you for your patience!
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Quality pre-owned vehicles in Cherryville, NC704-464-2277
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ERIC JOHNSON AUTO SALES

Financing for All Credit Types

We work with several lending sources to help customers across a wide range of credit situations. Whether you are establishing credit, rebuilding credit, or have strong credit history, we will help you explore available options.

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OPTIONS FOR REAL LIFE

Financing solutions built around your situation

Approval, terms, down payment, and interest rate depend on the applicant, vehicle, and lender requirements.

Established Credit

Explore competitive financing options from multiple lending sources.

Building Credit

Programs may be available for customers establishing or rebuilding credit.

First-Time Buyers

We welcome first-time buyers and can explain what lenders typically require.

Credit Challenges

Past credit problems do not automatically mean you have no options.

Self-Employed

We work with customers who have different employment and income situations.

Trades Welcome

Your current vehicle may help reduce the amount you need to finance.

SIMPLE PROCESS

Four steps from shopping to driving

Browse Inventory

Choose a vehicle that fits your needs and budget.

Apply Securely

Complete the DealerCenter credit application online.

Review Options

We will work with available lenders and explain the next steps.

Drive Home

Complete the paperwork and take delivery of your vehicle.

BE PREPARED

What you may need

  • Valid driver license and contact information
  • Residence and employment details
  • Current income information
  • Insurance information when requested
  • Trade-in details, if applicable

Questions before you apply?

Call Eric Johnson Auto Sales and we will explain the process before you get started.

Call 704-464-2277
FREQUENTLY ASKED QUESTIONS

Financing questions

Do I need perfect credit?

No. We work with customers across a wide range of credit situations. Final approval is determined by the lender.

Is a down payment required?

Down payment requirements vary based on the applicant, vehicle, and lender program.

Can I use a trade-in?

Yes. We accept trades, and your trade value may reduce the amount you need to finance.

Does applying obligate me to purchase?

No. Submitting an application does not require you to purchase a vehicle.

Ready to get started?

Complete the secure application or browse available vehicles first.

Start Secure Credit Application View Inventory
Submitting an application does not guarantee approval. Terms, rates, down payment, and approval are subject to lender requirements.
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