Business Details
Your Trusted Source for Used Cars in Morehead City
Benchmark Morehead City is committed to transforming the auto finance experience for customers in Carteret County and surrounding areas. By eliminating traditional buy-here, pay-here barriers, we offer income-based financing with no credit checks, ensuring accessibility for individuals with bad or no credit. Our vehicles undergo rigorous 82-point inspections and servicing by certified mechanics, backed by a 36,000-mile warranty, free oil changes, and a GAP waiver. We prioritize affordability through flexible payment plans aligned with clients' pay schedules and low down payments starting at $500.Our 13- and 24-month trade programs provide unmatched flexibility, allowing customers to upgrade vehicles with reduced down payments or terminate leases without negative equity. With over a decade of local expertise, we maintain transparency through all-inclusive pricing that covers taxes, DMV fees, and documentation costs. Our team focuses on building long-term trust through personalized service and a no-pressure environment, serving as a reliable alternative to conventional dealerships.
Services
In-House Financing
No Credit Check Approvals
Trade-In Program
Vehicle Warranty
Oil Change Service
GAP Waiver Coverage
Flexible Payment Plans
Highlights and features
- We offer income-based approvals with no credit checks required.
- Our vehicles include a 36,000-mile warranty and free oil changes.
- Flexible payment plans matching your work pay schedule.
- 13-month trade program with 50% down payment discounts.
- All-inclusive pricing covers taxes, fees, and documentation costs.
What people say
5-star reviews
Top-notch service
Quality vehicles
Hassle-free financing
Services
In-House Financing
Our income-based financing program eliminates credit checks while offering flexible terms from 33-48 months. Customers qualify based on take-home pay, with payments capped at 20% of weekly income. No security deposit required.
No Credit Check Approvals
We base approvals solely on verifiable income, not credit history. Applicants need a valid NC driver's license, proof of residence, and recent pay stubs or bank statements to qualify for vehicle financing.
13-Month Trade Program
After 13 months of timely payments, customers receive 50% off down payments for any vehicle up to $2,500. Program requires documented oil changes and adherence to mileage limits averaging under 2,000 miles monthly.
Vehicle Warranty
Every purchase includes a 36,000-mile warranty covering major mechanical components. The program also features roadside assistance and free oil changes every six months, included in all-inclusive pricing.
Flexible Payment Plans
We offer customizable payment schedules aligned with clients' pay cycles, including weekly, bi-weekly, or monthly options. Down payments start at $500 with documented income verification, covering all taxes and fees.
Questions
How does your no credit check financing work?
We evaluate applications based on verifiable income rather than credit scores. A valid NC driver's license, proof of residence, and income documentation are required for approval.
What trade-in options do you offer?
Our 13-month program offers 50% off down payments, while the 24-month program allows zero down payments for qualified vehicles with listed down payments up to $2,500.
What's included in your all-inclusive pricing?
Prices include 36,000-mile warranty, GAP waiver, property taxes, free oil changes, and documentation fees. No hidden charges beyond listed amounts.
Can I customize my payment schedule?
Yes, we offer flexible payment plans matching weekly, bi-weekly, or monthly pay cycles to accommodate individual financial situations.
What documentation do I need to apply?
Bring a valid NC driver's license, recent pay stubs or bank statements, proof of residence, and down payment. Insurance verification is required before vehicle release.
What areas do you serve?
We serve Carteret County and surrounding areas within a 70-mile radius of our Morehead City dealership location.
Videos
Reviews (4)
Molly Neal
Dec 02, 2021
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Second vehicle... FINALLY!! Thanks Benchmark for your help with this easy process again. Staff is wonderful especially Misty. She was busy in her office, came out with smile on her face just to help me get started on the process, then when we signed paperwork she took extra time to explain a few things I missed the first time around.
Joanna Pryor
Nov 16, 2021
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The absolute BEST CAR EXPERIENCE Ive ever had! When you feel like no one will give you another chance, & you finally find the right place! Everyone was so welcoming when I walked in ! :) Tara communicated with me a week before I purchased & communicated very well! I promise this is where its at! Thank you all again for such a wonderful experience!
Djnite
Sep 27, 2021
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Not a bad place to buy a used car and the process of buying is a lot better in my opinion!! Not just another buy here,pay here lot!! My next used car will come from Benchmark
Amanda Joyner
Apr 17, 2021
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Leased a car from them yesterday and it was a total of 1 1/2 hours and everything DONE, me driving away!!! So very easy process, I would definitely recommend them to people I dont even like! The employees were not just professional but they treated you like your human! I give my now friends at Benchmark an A+ Job Well Done
