What’s On The Lot Right Now
Near Lowell & Chelmsford —
35 Cars, Trucks & SUVs In Stock

We just refreshed the lot heading into August, and it’s stacked — 35 hand-picked used vehicles, and 30 of them are AWD or 4WD. Every one is financed in-house through our Buy Here Pay Here program: no credit check, no bank, no waiting. Here’s exactly what’s available right now.

Browse Full Inventory Get Pre-Approved

No Credit Check Guaranteed Financing Weekly Payments Drive Home Today

Late Summer Is The Smart Time To Buy In New England

There’s a rhythm to car shopping around here. Once the leaves turn and the first frost hits, everyone remembers at the same moment that they need something reliable with all-wheel drive — and the good winter-ready SUVs get picked over fast. Shopping in August means you get first choice while the lot is deep, instead of scrambling in November.

Right now we’re carrying 35 used vehicles spanning model years 2013 to 2023, priced from $7,900. The mix leans heavily toward what actually makes sense for a Merrimack Valley winter: 20 SUVs, 8 trucks, and a handful of fuel-sipping commuter cars, with 30 of the 35 sending power to all four wheels.

And because every vehicle is financed through our in-house Buy Here Pay Here program, your credit score isn’t what decides whether you drive home. Approval is based on your income and ability to pay — bring a valid license and proof of income and you’re most of the way there.

What’s In Stock, By The Numbers

Used AWD & 4WD For Sale Near Lowell, Massachusetts

This is the heart of the lot. All-wheel and four-wheel drive earn their keep year-round in New England — wet leaves in the fall, mud season in the spring, gravel driveways, and yes, the first snow too. Here are some of the standouts in stock right now, with real down payments and weekly figures from our Buy Here Pay Here program. Reference the stock number when you call.

Also in the AWD/4WD lineup: a 2016 Chevy Traverse LS (#7465, $8,900), 2016 GMC Terrain SLE (#7502, $9,900) and 2017 GMC Terrain SLT (#7545, $14,900), 2018 Chevy Traverse LT Leather (#7529, $12,900), 2018 Hyundai Tucson SE (#7553, $9,900), 2015 Kia Sportage EX (#7556, $10,900), 2014 Chevy Tahoe LT leather (#7513, $13,900), plus a pair of Subaru Crosstrek and Nissan Rogue models.

See All SUVs In Stock

4x4 Trucks Ready To Work

Contractor, landscaper, plow driver, or you just need a truck that starts every January morning — we’ve got 8 in stock, almost all 4WD, including a heavy-duty 2500HD.

Plus two RAM 1500s in stock. Call 978-251-0888 to confirm availability.

Commuter Cars & Budget Picks

Not everyone needs a truck. If your priority is a low weekly payment and good gas mileage for the commute down 495 or the Lowell Connector, start here.

More budget-friendly options in stock: 2015 Chevy Equinox LT (#7503, $8,900) and 2016 Chevy Equinox AWD LT (#7490, $9,900), the 2021 Ford Escape SE (#7557, $14,900) with just 77k miles, plus Nissan Altima, Sentra and Rogue Sport models.

Browse Used Cars

How Buy Here Pay Here Works At Merrimack

New to Buy Here Pay Here? The short version: we are the lender. There’s no bank in the middle, so approval comes down to your income and ability to make the weekly payment — not your credit score.

Want the full breakdown, including how Massachusetts sales tax, title, and plate fees factor in? Read our complete Buy Here Pay Here financing guide.

Start Your Credit App

Come See It Before It’s Gone

Inventory moves fast — especially the AWD SUVs once the weather turns. Call ahead with the stock number to confirm a vehicle is still available, or apply online and we’ll have you approved before you make the drive.

Browse Inventory Apply For Financing

Inventory, pricing, payment figures, and stock numbers shown are accurate as of July 31, 2026 and are real examples from our current stock — individual terms depend on the vehicle and are finalized in-store. Stock changes daily; call 978-251-0888 or view live inventory online to confirm availability.
© 2026 Merrimack Auto Sales · 176 Middlesex St, North Chelmsford, MA 01863 · Buy Here Pay Here Cars Serving Lowell, Chelmsford, Billerica, Tewksbury, Westford, Dracut & Dunstable.

Buy Here Pay Here Cars
Near Chelmsford, MA —
100% Guaranteed Financing

At Merrimack Auto Sales, we believe a tough credit history shouldn’t keep you off the road. Our buy here pay here program in Chelmsford, MA gives you a straightforward path to car ownership — no credit check required, no dealership runaround, no waiting on a bank to say yes.

Browse Inventory Start Your Credit App

No Credit Check Required Guaranteed Financing Program All Paperwork Done In-House Drive Home Today

What Is Buy Here Pay Here — And How Does It Work at Merrimack?

With traditional financing, a bank or credit union decides whether you get approved — and your credit score does most of the talking. Buy Here Pay Here is different. At Merrimack Auto Sales, we are the lender.

That means we make the approval decision in-house, based on your income and ability to repay — not your credit history.

Who Can Get Approved? Probably You.

Our Buy Here Pay Here program near Chelmsford is designed for real people — not perfect credit scores. We’ve been doing this for over 30 years and we’ve seen nearly every situation. There’s no judgment here, just a process that works.

See If You Qualify

Quality Used Cars, SUVs & More Near Chelmsford, MA

We keep a rotating selection of hand-picked used vehicles priced for real budgets — most AWD or 4WD-capable, which matters in New England.

Inventory shown as of April 21, 2026. Stock changes frequently — call us at (978) 519-7945 or browse current inventory online for the latest availability.

View Full Inventory

What to Expect When You Finance With Us

We want you to walk in knowing exactly what to expect — no surprises at the signing table.

Serving Chelmsford, Lowell, and All of Merrimack Valley

Our dealership is located at 176 Middlesex St in North Chelmsford, MA — just minutes from Lowell, Billerica, Tewksbury, Westford, Dracut, and Dunstable. We’re a convenient stop for anyone searching for buy here pay here cars near Lowell or looking for a used car dealership in the Chelmsford area.

Call us at (978) 519-7945 to check availability before you make the drive.

Why Buyers Trust Merrimack Auto Sales

Buy Here Pay Here dealerships aren’t all the same — and we know that reputation matters. Here’s what sets Merrimack Auto Sales apart.

Common Questions About Our BHPH Program

Have questions before you come in? We’ve answered the most common ones below.

Ready to Get Approved Today?

Don’t let your credit history write your transportation story. Approval is guaranteed — all you need is a license and proof of income.

Browse Inventory Apply for Financing

© 2025 Merrimack Auto Sales  ·  176 Middlesex St, North Chelmsford, MA 01863  ·  (978) 519-7945
Buy Here Pay Here Cars Near Chelmsford, MA | Serving Lowell, Billerica, Tewksbury, Westford, and all of Massachusetts.

December 2026 Sales Event on Used Cars

Massive Price Drops - Don't Wait Until 2026!

Serving Lowell, Chelmsford, Tewksbury, Billerica & Southern NH

YEAR-END SAVINGS! December is here and we're offering incredible pricing on quality pre-owned vehicles throughout the Merrimack Valley. Whether you're in Lowell, Chelmsford, Nashua, or anywhere in the Greater Merrimack Valley area, now is the perfect time to save big on your next vehicle.

At Merrimack Auto Sales in North Chelmsford, MA, we're offering massive price drops on 23 carefully selected vehicles, with savings up to $3,000. Whether you're looking for a reliable daily driver, an affordable used SUV, or a work truck or van, we've got year-end pricing that delivers real value.

Year-End Clearance - Save Before 2026!

Why Shop Merrimack Auto Sales?

Located conveniently on Route 3 in North Chelmsford, we're easy to reach from Lowell, Tewksbury, Billerica, Dracut, Westford, Nashua NH, Lawrence, and throughout the Merrimack Valley region.

Quality Pre-Owned Vehicles

Every vehicle in our December year-end sale has been inspected and is ready for the road. From low-mileage SUVs to reliable work vans, we've curated a selection that offers something for every budget and need.

Financing Available

We work with multiple lenders to help customers throughout the Merrimack Valley secure affordable financing. Whether you're from Lowell, Nashua, or anywhere in between, we can help you get approved.

100% Guaranteed Financing on Used Cars, Trucks, and SUVs

Merrimack Auto Sales makes financing your new vehicle hassle-free by helping you find a vehicle you can afford, setting up a payment plan, and managing the registration process.

Featured December Specials - 23 Vehicles Available

Browse our complete selection of quality used cars, trucks, and SUVs with year-end pricing. Perfect for buyers in Chelmsford, Lowell, Tewksbury, and surrounding areas.

How to Get Your Year-End Deal

Whether you're coming from Lowell, Nashua, Tewksbury, or anywhere in the Merrimack Valley, here's how to take advantage of our December year-end pricing:

1. Browse Online

Check out all 23 vehicles featured in this sale on our website. Each listing includes detailed specifications, features, and current year-end pricing. Compare vehicles and narrow down your choices from home.

2. Visit Our Showroom in North Chelmsford

Located conveniently on Route 3, we're easy to reach from throughout the Merrimack Valley. Our team is available Monday through Saturday with varying hours (see below for details). No appointment necessary - just stop by!

3. Test Drive Your Favorites

We encourage test drives so you can experience how each vehicle handles. Get behind the wheel and see which one feels right for you.

4. Explore Financing Options

We work with multiple lenders to help you find affordable financing. Our team can help you understand payment options and get you pre-approved, even if you're from out of state like New Hampshire.

Visit Merrimack Auto Sales for Year-End Deals!

Frequently Asked Questions

Where is Merrimack Auto Sales located?

We're located at 176 Middlesex St in North Chelmsford, MA, right on Route 3. We serve customers from throughout the Merrimack Valley including Lowell, Chelmsford, Tewksbury, Billerica, Dracut, Westford, Lawrence, Andover, and Southern New Hampshire communities like Nashua, Hudson, and Merrimack.

Do you offer financing for used cars?

Yes! We work with multiple lenders to help customers secure affordable financing on quality pre-owned vehicles. Whether you have excellent credit or are rebuilding your credit, we can help you explore your options. Contact us to discuss financing.

Can I trade in my current vehicle?

Absolutely. We accept trade-ins and can provide you with a fair market value assessment of your current vehicle. Bring your car, truck, or SUV when you visit, and we'll give you an appraisal on the spot.

What if I see a vehicle I like online?

Contact us to confirm availability and schedule a viewing or test drive. We update our inventory regularly, but popular used cars and SUVs can sell quickly, especially during our year-end sale.

Do you serve customers from New Hampshire?

Yes! We regularly work with customers from Southern New Hampshire including Nashua, Hudson, Merrimack, Pelham, Salem, and surrounding areas. We're just a short drive south on Route 3, and we can help with all the paperwork for out-of-state purchases.

Disclaimer: Year-end pricing valid through December 2025. All vehicles subject to prior sale. See dealer for complete details.

© 2025 Merrimack Auto Sales. All rights reserved.

Quality Used Cars, Trucks & SUVs | Serving Lowell, Chelmsford, Tewksbury, Billerica, Nashua NH & the Greater Merrimack Valley

176 Middlesex St, North Chelmsford, MA 01863

Black Friday Blowout!

Massive Price Drops Extended All Month Long!

Published: November 2024 | Merrimack Auto Sales

GREAT NEWS! We're happy to reduce prices on almost all of our inventory just in time for November and December. That's right - you don't have to wait for one day to get incredible savings on quality pre-owned vehicles.

At Merrimack Auto Sales, we're offering massive price drops on 24 carefully selected vehicles, with savings up to $3,000. Whether you're looking for a reliable daily driver, a SUV, or a work truck or van, we've got Black Friday all month long pricing that we're proud to be offering.

Black Friday Pricing Extended All Month Long!

Why Shop Our Black Friday Event?

Black Friday has traditionally been the biggest shopping day of the year, and for good reason. It's when you'll find the most aggressive pricing and the best deals. This year, we're making it even better by extending those savings throughout November.

What Makes This Sale Special?

Real Savings: We're not playing games with inflated "original" prices. These are genuine price reductions on vehicles we've already had in stock, and we're motivated to move them this month.

Quality Selection: Every vehicle in our Black Friday event has been inspected and is ready for the road. From low-mileage SUVs to reliable work vans, we've curated a selection that offers something for everyone.

No Pressure: Since our sale runs all month, you have plenty of time to browse, test drive, and make an informed decision. No need to rush - though we can't guarantee every vehicle will last the entire month!

Featured Black Friday Specials

Here are all 24 vehicles currently available with special Black Friday pricing. Each represents an opportunity to get a quality pre-owned vehicle at an exceptional price.

How to Take Advantage of These Deals

Taking advantage of our Black Friday pricing is simple. Here's how to get started:

1. Browse Online

Check out all 24 vehicles featured in this sale on our website. Each listing includes detailed specifications, features, and current pricing. You can compare vehicles and narrow down your choices from the comfort of home.

2. Visit Our Showroom

Come see these vehicles in person at our North Chelmsford location. Our team is available Monday through Saturday with varying hours (see below for details). No appointment necessary - just stop by!

3. Test Drive Your Favorites

We encourage test drives so you can experience how each vehicle handles. Get behind the wheel and see which one feels right for you.

4. Explore Financing Options

We work with multiple lenders to help you find financing that fits your budget. Our team can help you understand payment options and get you pre-approved.

Visit Us for Black Friday Deals All Month!

Frequently Asked Questions

How long will these prices last?

Black Friday pricing is valid throughout the entire month of November 2024. However, vehicles are subject to prior sale, so we encourage you to act quickly if you see something you like.

Are these prices negotiable?

Our Black Friday prices represent our best offers on these vehicles. The pricing you see is what we're offering - no games, no gimmicks.

Do you offer financing?

Yes! We work with multiple lenders to help customers secure financing. Contact us to discuss your options and get pre-approved.

Can I trade in my current vehicle?

Absolutely. We accept trade-ins and can provide you with a fair market value assessment of your current vehicle.

What if I see a vehicle I like online?

Call us at (978) 251-0888 to confirm availability and schedule a viewing or test drive. We update our inventory regularly, but popular vehicles can sell quickly.

Disclaimer: Black Friday pricing valid throughout November 2024. All vehicles subject to prior sale. See dealer for complete details.

© 2024 Merrimack Auto Sales. All rights reserved.

176 Middlesex St, North Chelmsford, MA 01863 | (978) 251-0888