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Find a Byrider Near Me. Often, that means those car buyers are forced to turn to off-brand resources that don't always offer a great selection of high-quality new vehicles. However, if you have fair or poor credit, finding a 0 down payment car will be more challenging. If you're not sure where to go, let Auto Credit Express help. zentrading March 16, 2018. We feel that our unique "Lease IT Own IT" program is a great alternative to the buy here pay here programs in Columbus. check Bad Credit Is It's fast, FREE, and easy! * - It's a sad truth that many car dealers shy away from working with customers who have a checkered credit history. * - $600 mo. At least two years of employment history for those with some kind of credit history. Auto Credit Express. $500/Week Income Can Qualify. Nashville Auto Sales. When you are shopping for a quality late-model used car in the Dallas, TX area but you have a less than ideal credit score, turn to Cowboy Toyota. 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