4 Seasons Auto Llc
4 Seasons Auto LLC is a privately held Buy Here Pay Here used car dealership operating two locations in Southern Utah (St. George and Cedar City), serving credit-challenged consumers with in-house vehicle financing regardless of credit history.
- Company typePrivate
- Founded2017
- HeadquartersSaint George, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What 4 Seasons Auto Llc does
4 Seasons Auto LLC is a privately held used vehicle retailer operating two physical dealerships in Southern Utah — a headquarters location at 1865 East Red Hills Pkwy. in St. George and a second store at 940 North Main St. in Cedar City — with a service area that also extends to Hurricane, Utah and Mesquite, Nevada. The company operates on a Buy Here Pay Here (BHPH) model, meaning it functions simultaneously as dealer and lender, originating in-house installment financing for buyers who cannot qualify for traditional bank or captive auto loans due to bad credit, no credit, bankruptcy, divorce, or prior repossession.
The core product is a curated inventory of approximately 66 pre-owned vehicles spanning sedans, SUVs, pickup trucks, vans and hatchbacks from manufacturers including Ford, Honda, Chevrolet, Kia, Hyundai, Tesla, Dodge, Ram and others, with model years ranging from 1994 to 2025 and price points from under $5,000 to over $85,000. Inventory is presented through a dealer website (4seasonsauto.com) with online browsing and a digital loan application, and the company invests approximately $1,800 per vehicle on average through its "4 Seasons Certified" mechanical inspection program. Customer-facing technology integrations include the BlytzPay online payment platform for servicing finance contracts, a TaxMax tax-return integration distributed via website QR code, and an IVSeasonsAuto YouTube channel.
Revenue is generated through two streams: gross profit on used vehicle sales and ongoing interest income from the in-house installment loan portfolio. Pricing is not publicly disclosed per vehicle; instead, the company markets affordability through bi-weekly payment options starting at approximately $175 (≈$350/month) and down-payment flexibility. The customer base is entirely individual / consumer, drawn from the credit-challenged segment in the Southern Utah corridor, and the company has no disclosed institutional ownership, outside capital, partnerships, or management team information in the source material.
4 Seasons Auto Llc firmographics
Firmographics- Name
- 4 Seasons Auto Llc
- Legal name
- 4 Seasons Auto LLC
- Website
- https://4seasonsauto.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- 4 Seasons Auto LLC is a privately held Buy Here Pay Here used car dealership operating two locations in Southern Utah (St. George and Cedar City), serving credit-challenged consumers with in-house vehicle financing regardless of credit history.
- Ownership category
- akta.pro rank
4 Seasons Auto Llc industry classification
Industry- Product category
- Used Car Dealership
- NAICS
- Used Car Dealers (441120)
- SIC
- Retail-Auto Dealers & Gasoline Stations (5500)
- akta.pro primary industry
- New & Used Auto Purchase Loans (FSAKADAA)
Keywords
Where 4 Seasons Auto Llc is headquartered
LocationHeadquarters
- HQ city
- Saint George
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
4 Seasons Auto Llc business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Supply Chain, Personnel, Operations, Marketing or Sales
Revenue model
- Vehicle Sales: The primary revenue stream comes from the sale of pre-owned vehicles to customers. The company offers in-house financing (Buy Here Pay Here) where they act as both the dealer and lender, collecting payments directly from buyers over time.
- In-House Financing Interest: As a Buy Here Pay Here dealer, revenue is generated through the financing arrangements made directly with customers, including interest on installment payments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Buy Here Pay Here financing with flexible terms |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
4 Seasons Auto Llc product offering
Product offeringCore offering
4 Seasons Auto LLC operates a Buy Here Pay Here (BHPH) used car dealership selling pre-owned vehicles directly to consumers through two physical locations in St. George and Cedar City, Utah. The company acts as both dealer and lender, providing in-house financing with guaranteed approval regardless of credit history, including bad credit, no credit, bankruptcy, divorce, or repossession. Inventory spans approximately 66 vehicles from manufacturers such as Ford, Honda, Chevrolet, Kia, Hyundai, Tesla, and others, with models ranging from 1994 to 2025 across a price range of under $5,000 to over $85,000.
Product overview
4 Seasons Auto Sales is a Buy Here Pay Here (BHPH) used car dealership operating two locations in St. George and Cedar City, Utah. The company operates as a single unified dealership offering pre-owned vehicle sales with integrated in-house financing services. Their core offering combines used vehicle inventory with proprietary financing solutions designed for customers with credit challenges. Additional services include online loan applications, vehicle storage, and online payment processing. The company carries approximately 66 vehicles spanning multiple manufacturers including Ford, Honda, Chevrolet, Kia, Hyundai, Tesla, and others, with models ranging from economy cars to full-size trucks and luxury vehicles.
Differentiator
Problem solved
Functional benefit
Products and services
- Used Vehicle Sales
- Buy Here Pay Here Financing
- Online Loan Application
- Vehicle Storage Services
- Online Payment Service
- Vehicle Trade-In Program
Companies that use 4 Seasons Auto Llc
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles2 records
4 Seasons Auto Llc technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature1 record
4 Seasons Auto Llc partnerships and signals
Strategic signalScale indicators3 records
Recent moves4 records
Expansion highlights2 records
4 Seasons Auto Llc competitors and assessment
Company assessmentBroad incumbents
- AutoNation: One of the largest US auto dealer groups, with a significant used vehicle (AutoNation USA) and financing presence. While primarily a new-car franchised dealer, its used car operations and captive finance arm compete in overlapping regional markets.
- CarMax: Largest US used car retailer with national footprint and in-house financing arm (CarMax Auto Finance). While not exclusively BHPH, it competes for the same used vehicle demand and offers its own subprime financing tier, overlapping with 4 Seasons Auto's target customer.
- Carvana: National online used vehicle retailer offering home delivery and its own financing arm (including subprime). Competes with 4 Seasons Auto for used car demand, particularly in mid-size metros, and represents a structural threat to local brick-and-mortar dealers.
- Asbury Automotive Group: Large US dealer group with material used vehicle operations (Clicklane, Total Care Auto) and presence in the Southwest. A potential consolidator or competitor for independent BHPH operators in the region.
- Lithia Motors: Largest US automotive retailer with a national network spanning new, used, and finance (Lithia Driveway). Its used vehicle and digital retail initiatives directly compete with independents like 4 Seasons Auto in regional markets across the West.
Emerging players
- Vroom: Online used vehicle retailer with its own financing offering, focused on a national, asset-light model. While still rebuilding operations, it represents a longer-term competitive vector for local BHPH dealers expanding into adjacent geographies.
Others
- Credit Acceptance Corporation: Public subprime auto lender that finances independent BHPH dealers through a dealer-partner program. Highly relevant ecosystem peer — the company either competes indirectly with Credit Acceptance's dealer base or could represent a capital partner for 4 Seasons Auto's BHPH program.
- Avis Car Sales: Used vehicle sales arm of the rental fleet operator, supplying late-model inventory into regional markets. While not a direct BHPH competitor, it competes for used vehicle demand in the same Southern Utah customer pool.
Direct peers
- DriveTime: Largest US BHPH used car dealer operating integrated in-house financing for subprime borrowers nationwide. Closest direct comparable in business model — used vehicle retail combined with captive BHPH lending — and the dominant scaled player in the segment 4 Seasons Auto competes in.
- JD Byrider: Franchised BHPH used car dealership network serving credit-challenged buyers with in-house financing. Operates with a similar credit-all-comers value proposition and in-house servicing model, directly comparable to 4 Seasons Auto's offering.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks7 records
Key highlights7 records
Customer concentration
4 Seasons Auto Llc social profiles
Digital presence4 Seasons Auto Llc financial estimates
Financial estimateRevenue estimate
Valuation estimate
4 Seasons Auto Llc leadership team
Management profileNumber of profiles
Profiles1 record
4 Seasons Auto Llc funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
4 Seasons Auto Llc M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about 4 Seasons Auto Llc
What does 4 Seasons Auto Llc do?
4 Seasons Auto LLC operates a Buy Here Pay Here (BHPH) used car dealership selling pre-owned vehicles directly to consumers through two physical locations in St. George and Cedar City, Utah. The company acts as both dealer and lender, providing in-house financing with guaranteed approval regardless of credit history, including bad credit, no credit, bankruptcy, divorce, or repossession. Inventory spans approximately 66 vehicles from manufacturers such as Ford, Honda, Chevrolet, Kia, Hyundai, Tesla, and others, with models ranging from 1994 to 2025 across a price range of under $5,000 to over $85,000.
Is 4 Seasons Auto Llc a public or private company?
4 Seasons Auto Llc is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was 4 Seasons Auto Llc founded?
4 Seasons Auto Llc was founded in 2017. It employs 1 to 10 people.
Where is 4 Seasons Auto Llc based?
4 Seasons Auto Llc is headquartered in Saint George, United States, in the North America region.
How does 4 Seasons Auto Llc make money?
Two revenue lines are on record. Vehicle Sales are the primary driver. The others are in-House Financing Interest.
Who are 4 Seasons Auto Llc's main competitors?
Broad incumbents on record are AutoNation, CarMax, Carvana, Asbury Automotive Group and Lithia Motors. Vroom is listed as an emerging player. Others are Credit Acceptance Corporation and Avis Car Sales. Direct peers are DriveTime and JD Byrider.
Does 4 Seasons Auto Llc have an API?
No public API is recorded for 4 Seasons Auto Llc.
What industry is 4 Seasons Auto Llc in?
4 Seasons Auto Llc's product category is Used Car Dealership. Its primary akta.pro industry code is FSAKADAA, New & Used Auto Purchase Loans. Its NAICS code is 441120 and its SIC code is 5500.