Fast & easy financing options available. Drive away in a reliable vehicle with affordable payments.
Simms Auto Sales — your local buy here pay here dealership offering used cars with financing, no credit car loans, and affordable monthly payments. Financing subject to approval.
Bad credit, no credit — we work with most credit situations. Fill out the quick form and we’ll be in touch right away.
No commitment required. We help with bad credit car financing, no credit car loans, and second chance auto financing. Financing subject to approval.
It’s fast, easy, and there’s no obligation. Whether you have bad credit or no credit, we’re here to help.
Takes just a couple of minutes. Tell us a little about yourself and what you’re looking for. No long paperwork — just the basics.
One of our friendly local team members will reach out to review your options. We work with many credit situations, including second chance auto financing.
Pick from our selection of reliable vehicles with financing in place. Affordable monthly payments, no bank needed — just you and your new ride.
No pressure. Financing for most credit situations — bad credit, no credit, or past repossessions.
We help people in all kinds of credit situations get behind the wheel. No judgment — just real help from a friendly local team.
We handle financing in-house through Buy Here Pay Here — no outside bank approval to wait on. Financing subject to approval.
Bad credit, no credit, past repossession, or bankruptcy — we work with a wide range of situations to find options that fit. Financing subject to approval.
Fill out a short form and our team follows up quickly — many customers get an answer the same day they apply.
We keep down payments low and work to set monthly payments that fit your budget.
Browse our selection of used cars, trucks, and SUVs — chosen to get you dependably back on the road.
We’re a local dealership that treats you like a neighbor — no hard sell, just straightforward help finding a vehicle and payment that work for you.
Helping drivers in the area get back on the road — one approval at a time. Bad credit car financing, no credit car loans, and used cars with financing options designed for real people with real situations.
Real 5-star reviews from our Google profile.
“My experience with Simms was outstanding in every respect. Courtney and Chris went above and beyond to make sure we drove away confident and completely satisfied. Highly recommend.”
“We were there past closing and never once felt rushed. The whole process was smooth, transparent, and stress-free — and we drove home in a beautiful 2012 Ram Laramie that checked every box. A dealership that truly puts people first.”
“Everyone was knowledgeable, patient, and professional. They made sure we understood everything and helped us find exactly what we were looking for. Courtney, you did amazing!”
Whether you’re dealing with bad credit car financing challenges, exploring no credit car loans, or looking for second chance auto financing — our local team is ready to help.
Used cars with financing for most credit situations — come see us today.
All vehicles come with flexible financing options — including buy here pay here and second chance auto financing. Bad credit or no credit? We can help.
Reliable daily drivers with great fuel economy.
Spacious vehicles for work or family life.
Affordable monthly payments that fit your budget.
Used cars with financing available for most credit situations — no bank needed. Affordable monthly payments to fit your life.
Call now or apply online to get started today.
220 KY-44 W, Shepherdsville, KY 40165 · 502-921-3100 · Mon–Fri 8:30am–5pm · Sat 9am–2pm · Closed Sunday