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How to Get Approved for a Car Loan With Less-Than-Perfect Credit

Customer reviewing car financing options at the dealership

Lenders look at more than a credit score. Income, job history and down payment all count, and our finance team works with lenders who specialize in credit rebuilding.

Check your rate with a soft pull

Pre-qualifying online uses a soft credit check that does not affect your score.

Put more down

A larger down payment lowers the amount financed and often the rate. Try a few amounts in the payment calculator.

Choose the right car

A reliable certified car with a lower price can be easier to approve than a new one. Browse cars by budget in our inventory under $25,000.

Questions? Our FAQ covers the most common finance questions, or talk to a finance specialist.

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