How Can I Get Car Financing with a Bad Credit Score?

If you’re wondering, “Can I get a car loan with bad credit?” the finance center here at Key Chrysler Jeep Dodge Ram FIAT is here for you. The answer is an unequivocal yes, Beavercreek and Springfield drivers can finance a car even with a bad credit score, and we’re here to help you through the process. Read our tips below, then get a great deal by taking advantage of one of our new vehicle specials!

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How Can You Finance a Car with Bad Credit?

Looking to obtain a bad credit car loan? The first step before our finance center can help is to apply for financing online to get pre-approved. Then you can work directly with the Key Chrysler Jeep Dodge Ram FIAT finance experts to find a payment plan that works for you.

What Steps Should I Take To Get a Car Loan with Bad Credit?

If you’re asking, “How can I get car financing with a bad credit score?” there’s some leg work to do before you can get behind the wheel of your dream car. To get your ducks in a row, you need to ensure you’re making the best financial decision by doing the following:

  1. Determine how much you can afford to pay per month based on your budget.
  2. Make a bigger down payment if possible.
  3. Try to clean up your credit report before applying for a loan.
  4. Be honest about what kind of car you should buy, and don’t get more than you need. We don’t want to sell you more features than you need at the expense of your personal finances.
  5. Ask questions!

Improve Your Credit Score

Bad credit car loans may come with higher interest rates and down payments, but they have one redeeming quality: they’ll likely improve your credit score. Consistently making your payments on time every month will actually help you to improve your credit profile and credit score, giving you more lending power in the future. Lower interest rates may not be here now, but they’re on the horizon!

Finance a Car with Bad Credit Near Beavercreek Today!

Now that we’ve worked to help you secure a bad credit car loan for your new Wilmington commuter or family vehicle, what’s next? First, play with our finance calculator to see how much you’re willing to spend. Then, learn how to lease a certified pre-owned car, finally contact us with any leftover questions. We hope to see you soon for a test drive! Do you have a financed car and you’re wondering if you can trade it in? We can help answer that as well with our trading in a financed car guide!

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(937) 347-5155

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2020 N. Detroit St. • Xenia, OH 45385

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Today's Hours:

Open Today! Sales: 9am-5pm

Open Today! Service: 8am-1pm

Key Chrysler Jeep Dodge Ram FIAT 39.7120915, -83.936812.