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It can happen to the best of us. Having bad credit or no credit doesn’t make you a bad person, and Bachman CDJR is here to help. You probably need a reliable car yesterday and you’ve been doing what you can to rebuild your credit, but it’s not perfect yet. The struggle of getting back on your feet after a large financial setback can be difficult. Not having a car to get to work, take the kids to school or their extracurricular activities, or even taking your mother to her doctor’s appointment can produce a very real strain on a family. Want to learn how you can improve your credit score? Our finance department is here to help customers with credit problems here in the Louisville, KY metro area, because we care.
We’re a family-owned dealership, and one of our core values is to treat others the way you want to be treated. It’s a guiding principle in our lives, in our families, and in our business model. Many of our customer reviews mention the kindness of our employees, and that’s for a reason. We want our customers to feel good about a purchase with us, and to be able to drive a dependable, high quality new or pre-owned car, which is why we choose to deal with credit problems that other dealerships turn down. This is our passion!
Don’t let past credit problems, bankruptcies, foreclosures, or other setbacks keep you from owning a vehicle you’ll feel good about. The first step may be hard – reaching out to us – but our goal is to help our community, and that means you, too. We’re proud to call Kentuckiana home, and are proud of the business we’ve built and the community we’re a part of here in Louisville. Please use the form below to reach out to us.
Are you wondering what credit score is needed to finance a car loan? Your credit rating will influence the loan terms for your car loan, such as the financing rate (APR%), the loan length, and the payments. Your credit score is influenced by bankruptcy, secured debts like a mortgage, unsecured debts like credit cards, and paying your bills on time. We’re experts at helping people with bad credit get financing, but every little bit helps.
Something a lot of people don’t know is that a car loan can help you improve your score, too! If you make your payments on time every month, that good behavior is also reported to the credit bureaus. Your new good credit history could enable you to refinance your loan for a lower monthly payment and a lower APR, saving you money in the long run.
Can you get a car loan with bad credit? Yes, but it’s not always easy. Financing a car with bad credit is easier when you improve your credit score as much as possible before applying. Have proof of income. Another way to make financing your bad credit car loan easier, do your best to save up as much cash for your down payment as possible. Figure out your budget and trade-in value, as well kind of car you need, so you can successfully pay all of your bills and still drive a great car.
Can you finance a car with no credit? Yes! Our team’s experience in no credit and bad credit car finance options can help you get a car loan even with no credit history. We’ve been serving car buyers in the New Albany area for over 30 years, and we’ve heard every question, and we’ve probably helped someone in your situation before.
We’ve helped many customers in the Sellersburg area and beyond reach their new car dreams, even when dealing with bankruptcy, even if you haven’t finished the bankruptcy term. Whether you’re currently in Chapter 13, Chapter 7 bankruptcy, or your bankruptcy has been discharged, you’ve shown that you can persevere through hardship. We’ll let you know what steps you might need to take, such as if you need to get a letter of permission from your bankruptcy trustee or judge.
If you’re a customer who has experienced bankruptcy, you’re not alone! If you’re still in bankruptcy, you’ll need to prove to your trustee or judge at bankruptcy court that you’re dealing with some extenuating circumstances — for example, if you need to use a car to get to work, and the car you’ve been driving has broke down. We’ll work with you to help you find an affordable car that meets your needs.
You need a reliable car so you can keep up with life. Your past might include a delinquent credit card, a repossessed car, separation or divorce, bankruptcy, or maybe you just fell behind on your payments but you’re doing better now. Take the next step and fill out our form to get started. Build credit and buy a car, truck, or SUV that you can trust with Bachman Chrysler Dodge Jeep Ram. We have ongoing new vehicle specials and used vehicle specials that might appeal to you. If you’ve been wondering how can you get car financing with a bad credit score, hopefully you can see that it can be as easy as contacting us today!
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