Bad credit? No credit? Need a quality used car loan in the Tri-Cities? No problem – we do it all. We are a buy here, pay here auto financing company in Johnson City, which means that all of our financing is done on-site with our own in-house finance company, Smart Finance. In other words, we are the bank. Even better, we will report all of your payments to the two major credit bureaus. That means while you pay for your car you have the opportunity to really improve your credit score - that’s Smart.