Guaranteed Credit Approval Dealer

Is your credit history a little less than stellar? Maybe you're walking into the car dealership with a low credit score or even with no credit at all. Well, don't assume you'll immediately be turned away because of it.

We’ve worked with people in a wide variety of financial situations, ranging from bankruptcy and divorce to no credit. That means, you can come to us when you need help buying your next car, and be confident that we’ll be able to help you find a loan.

Our financers have many years of experience helping folks with all kinds of credit. Plus, they work with a diverse network of lenders. There's a good chance they'll still be able to find a financing solution that fits your personal needs.

You can get started with financing just by filling out an application with the team in one of our stores. From there, our financers will get to work for you. Learn more about our guaranteed credit approval.

Buy Here Pay Here Dealerships

One of the ways we work to make buying your next car easier is through our Buy Here Pay Here dealerships. We’re able to provide a loan for you right here at our dealership through our finance department. That means, we don’t need to work through a third-party lender, but instead, we can provide the loan directly to you.

Opting for a Buy Here Pay Here loan is a great option for drivers with less-than-ideal credit since it means we can help you directly rather than you having to go through an approval process. Just ask us about our Buy Here Pay Here offers so we can get started helping you as soon as possible.

How Much Should I Offer as a Down Payment on a Less-than-Ideal Credit Loan?

One of the most important parts of taking out any loan is the down payment. This is the initial money you’ll provide on the loan and it’s a good way to bring down the principal amount of the loan. In most cases, a loan may require a down payment, and this is especially true if you’re dealing with a bad credit loan.

How much money you’ll need to provide as a down payment can vary, but it’s important to note that down payments are an important part of showing your willingness to pay. If a lender is looking for proof that you can pay, they’ll often look for a down payment.

The common size of a down payment when dealing with a bad credit car loan is often 10% to 20% of the car’s value. It’s typically a good idea to aim for 20% since this is a great habit to get into anytime you’re looking to buy a car.

Great Deals and Incentives 

In addition to scoring a less-than-perfect credit car loan, there's a good chance you'll be able to get a special deal or incentive on your next car.

At all our dealerships, you'll find a special selection of pre-owned cars that come with some excellent offers. These are perfect if you'd prefer not to take out a big loan on your next car.

Of course, we're always running leasing incentives for our new cars. With these deals, you can usually enter into your lease with a lower monthly payment.

If you're interested in seeing what vehicles we're currently running a deal or incentive for, you may want to head over to our inventory page. Start browsing now to find your next car!

Check Out Our Inventory

The inventory section of our site contains our entire selection of vehicles along with a search tool that makes it easier for you to sort through it all. For instance, it gives you the opportunity to get straight to the vehicles with your favorites when it comes to mileage, body type, color, features, and more.

When you’re here, a member of the sales staff will be at your side to answer questions and make sure you get a closer look at each model that has attracted your attention. Simply say the word and they will also join you on the road for those test drives! 

Take Advantage of Our Online Resources

As you can see, we are fully equipped to provide you with an abundance of support throughout your time in our finance center. This kind of assistance can begin even before you walk through our doors when you make use of the tools that we have placed at your disposal online. For starters, there’s the Credit Application. When you take a moment to fill out this secure form, you’ll be placing yourself on the road to being pre-approved for a loan. As a result, this exciting process can get underway while you’re still at home!

There’s also the Payment Calculator. This one can be of use after you have examined our inventory online and have put together a list of options that you would like to look into further. It makes it a lot easier to narrow things down even more by letting you determine what each option offers in terms of monthly payment. As a result, you will have the ability to pick out the ones that fit in the best with your budget. 

Are you thinking about using the set of wheels you’re driving now as a trade-in? If so, you’re likely to be pleased to know that we have supplied you with an online Value Your Trade tool. With its help, you will be able to figure out what your current daily driver is worth.

Tips to Boost Your Credit Score

While repairing the condition of your credit score does take time, there are a few things you can do right now to get that process going. One of the most important of these is to make the best effort to pay your bills on time. Accomplishing this proves that you can be responsible about managing your finances. A similar impression is made when you keep your credit card balances low and make sure any debt you might have is paid off as soon as possible. Finally, it’s a good idea to keep any unused credit cards in your possession open. This is important because it increases your available credit and increases your credit history.