Inventory Search

128 Vehicles Available

Shop By Vehicle
Vehicles Available

1.

Guaranteed Approval

Your Job is your credit.

2.

Auto Check Report

Free Auto Check History report.

3.

Trades are welcome

Trades are welcome, your trade is good as cash

4.

Build or rebuild Credit

We report to the credit bureau every month

5.

10 Min quick approval

Get 100% approved online and by phone

6.

Flexible lending

Personalized financing options

7.

Helpful Staff

No pressure sales advisors

8.

Vehicle Upgrade program

Low balance Trade in program.

9.

Full Protection

Protection Service Contracts and Gap Insurance.

10.

Welcome to
Car By U

CAR BY U is the approval specialist. We are top notch dealer that caters to not only buy here pay here, but also credit union, and conventional bank financing customers in the Charlotte/Monroe metro area. We can finance when others can't or won’t! Everyone is approved at CAR BY U, good credit, bad credit, no credit, all guaranteed approvals. Warranty on most vehicles, and GAP insurance available on all contracts. $500 Down payments on some cars. E-Z quick approval process. Trade-ins are welcome, we guarantee to pay more than a CarMax trade-in appraisal, or any other reputable trade offer. Drivers license and a job are all you need to get approved at CAR BY U. Multiple repossession, and open auto loans will require additional down payment but can be done easily. CAR BY U opened its first store in 2019, with thousands of clients served already, we want you to become part of our amazing CAR BY U family.


More About Us

Charlotte location

6353 E. Independence Blvd, Charlotte, NC 28212

All vehicle specifications, prices and equipment are subject to change without notice. Prices and payments (including the amount down payment) do not include tax, titles, tags, $695.00 documentation fee, emissions testing charges, any finance charges, Rebates, or other fees required by law or lending organizations. Listed down payment, payments, incentives and other terms are estimates for example purposes only. Some customers may not qualify for listed programs, Rebates, and offers. Customers can only use one promotional offer or coupon per purchase. Fuel efficiency actual rating will vary with options, driving conditions, habits and vehicle condition. All fuel efficiency estimates are supplied by the original manufacturer or other reliable sources. We have taken reasonable efforts to ensure display of accurate data; however, the information shown may contain errors and omissions. It may not reflect all vehicle items and accessories, and errors with regard to pricing may occur. All displayed inventory is subject to prior sale and all prices expire at midnight on the date displayed. Car By U is not responsible for any errors but should be consulted in person to confirm the information on this page. Vehicles may be subject to unrepaired manufacturers recalls. Please contact the manufacturer or their authorized dealers for recall assistance. Feel Free to check for open recalls using this link https://www.nhtsa.gov/recalls. All posted Down payments, guaranteed approvals, and finance applications are subject to underwritting.WE DO NOT HAVE A RETURN OR EXCHANGE POLICY.

  • Follow Us on Social Media