Bad Credit Auto Loans
Are you wondering, “Can I get a car loan with bad credit?” The answer is, “Yes, you can from Noller Ford Topeka in Kansas – near Manhattan, Fort Riley, Junction City, Wichita, and Salina!”
Why choose Noller Ford Topeka in Kansas, if I have bad credit?
Noller Ford Topeka isn’t like other dealerships who tout “buy here, pay here” or “bad-credit loans.” Some of these used car dealers are almost predatory – weighing down shoppers with auto loans that have sky-high interest rates and unreasonable terms. In the end, customers stay in a bad credit cycle because they still can’t afford the payments.
At our Topeka dealership, our Finance Center works to find an affordable subprime loan with an APR, down payment, and monthly payment to fit your budget. We understand that mistakes happen and anyone can run into a string of bad luck. You can apply for financing in a judgment-free zone, where you’re always treated with respect and your privacy is protected.
What is a sub-prime auto loan?
A sub-prime loan or bad credit loan is basically a car loan with interest rates adjusted in consideration of your credit history, with lower credit scores meaning higher interest rates and required down payment.
With shoppers who need a bad credit loan, our Finance Center typically sees one or more of the following items on their credit reports:
– Delinquent payments
– Unpaid medical bills
– Bankruptcy
– Divorce
– Student loans
If you have a bad credit history, you might qualify for one of these loans. You can use our payment calculator here on our website and fill out an online application to get the process started.
There are a couple of things you can do to increase your chances of getting approved for bad credit financing:
Have someone with better credit cosign on your loan.
Build up your credit for a few months before shopping at our dealership.
Pay cash to avoid interest rates.
We also offer credit repair financing to help improve your credit score as well as get you in a reliable vehicle.
How does credit repair financing work?
A credit repair financing plan improves a credit score by reporting every on-time payment you make. You’re showing that you can pay off a debt that has a title. That positive payment history will directly affect your score. Noller Ford Topeka offers these loans through our Finance Center, and plenty of customers have gotten their credit histories on the right path with successful payments.
If your credit score is hindering your auto loan approvals, come see Noller Ford Topeka!
You can put an end to the struggle and stress of finding reliable, affordable transportation! Let Noller Ford Topeka help you take charge of your financial future. Feel free to call our Finance Center or fill out our online financing application.