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

Is your old vehicle becoming less reliable for getting you around Thomasville, GA and Crawfordville? If you’re in the market for a high-quality new or pre-owned vehicle but you’re apprehensive about getting financed due to a bad credit score, you’ve come to the right place. Here at Dale Earnhardt Jr Buick GMC, we have credit assistance programs designed to help shoppers with bad credit get the vehicle of their dreams. Learn how to get a car loan with bad credit, below.

How to Get a Car with Bad Credit: Getting Started

Dale Earnhardt Jr Buick GMC has an onsite finance center full of friendly professionals who are here to help you at every point in the car finance process. Once you apply for pre-approval with us online, you’ve already completed the first step in how to get a car with bad credit! Rest assured, our application is 100% secure and we do not share any information with outside parties. After we review your application, you’ll hear back from us shortly regarding the next steps. In the meantime, you can review some helpful tips for getting car financing with bad credit, below.

Top Tips for How to Get a Car Loan with Bad Credit

As you begin the process of getting a car loan with bad credit, here are some helpful tips to keep in mind:

  • Create a realistic budget. Think beyond the amount you can afford to borrow. You will also need to consider additional expenses like auto insurance, annual registration costs, maintenance costs, and gas costs, all of which should be included in your budget.
  • Can you make a larger down payment? If you’re able to save up for a larger down payment, you’ll have a smaller loan balance to pay off and you’ll pay less interest once your loan is paid off.
  • Check your credit report. It’s helpful to know your exact credit score before you apply for financing, but you should also be looking for any errors on your credit report. If you find any, don’t hesitate to dispute them with the credit reporting company as they could be causing your credit score to fall.
  • Pay down debts. It’s okay if you can’t make a large dent in existing debts – even making a small amount of progress in paying it off will help raise your credit a bit.
  • Don’t buy more car than you need. It’s best to remain budget-oriented and only get as much vehicle as you really need. Buying pre-owned will also help keep your monthly payment affordable.

Can a Bad Credit Car Loan Improve Your Credit?

Learning how to get a car with bad credit can feel stressful and, sometimes, a little disheartening. Remember, financial setbacks happen to everyone at some point. Something positive to keep in mind is that you can leverage your new auto loan to help get your credit back up. So long as you make on-time monthly payments, you will slowly start to see improvements!

Financing for All Types of Credit at Dale Earnhardt Jr Buick GMC

If you would like to learn more about the credit assistance programs at Dale Earnhardt Jr Buick GMC, stop by to speak with us on your way home from Panama City. Or, you can contact us to start a conversation. No matter what type of credit you’re working with, we’re here to help you secure the keys to a vehicle you will love!

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Hendrick Vehicle Disclaimer

$849.00 Document Preparation Fee included in advertised price; this charge represents costs and profit to the dealer for items such as inspecting, cleaning, and adjusting vehicles, and preparing documents related to the sale.
All prices exclude all taxes, tag, title, registration fees and government fees. Out of state buyers are responsible for all taxes and government fees and title/registration fees in the state where the vehicle will be registered. All prices include all manufacturer to dealer incentives, which the dealer retains unless otherwise specifically provided. Dealer not responsible for errors and omissions; all offers subject to change without notice; please confirm listings with dealer.
All vehicles may not be physically located at this dealership but may be available for delivery through this location. Transportation charges may apply. Please contact the dealership for more specific information. All vehicles are subject to prior sale.

Additional Disclaimers:

*Excludes 2020 models. Excludes SL models and 2020 models for GMC Acadia & GMC Terrain Models. Length of contract limited. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 1/3/22. Price does not include tax, title, dealer installed options or fees. Please see Hendrick team for details. **$500 Purchase Allowance valid on GMC Acadia and GMC Terrain, Excludes SL models and 2020 models. $250 Purchase Allowance valid on GMC Canyon and GMC Sierra 1500 models. Must be a current owner of a 2007 model year or newer Buick or GMC vehicle through GM Financial for at least 30 days prior to new vehicle sale. Not available with lease, special finance and some other offers. Take new retail delivery by 1/3/22. Price does not include tax, title, dealer installed options or fees. Please see Hendrick team for details.
*Monthly payment is $13.89 for every $1,000 you finance. Average example down payment is 8.7%. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 1/3/22. **Must be a current owner of a 2007 model year or newer Buick or GMC vehicle through GM Financial for at least 30 days prior to new vehicle sale. Not available with lease, special finance and some other offers. Take new retail delivery by 1/3/22. Price does not include tax, title, dealer installed options or fees. Please see Hendrick team for details.
*Well-qualified customers who purchase a new, used or certified preowned vehicle, 4 model years or newer with less than 60K miles between November 1, 2021 and January 4, 2022 and finance through a participating dealer and Ally have an option to make no monthly payments for 90 days. Finance charges begin to accrue on the date you sign the Retail Installment Sale Contract at the Annual Percentage Rate (APR) disclosed in the contract. May not be combined with other Ally financing offers. Subject to maximum term limits. Dealer participation required. Not available to Pennsylvania residents, see your dealer for details. Must take retail delivery by January 4, 2022
*Excludes Escalade. Monthly payment is $27.78 for every $1,000 financed. Average example down payment is 11.9%. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 1/3/22. Price does not include tax, title, dealer installed options or fees. Please see Hendrick team for details. **Excludes Escalade. Not available with lease and some other offers. Take new retail delivery by 1/3/22. Price does not include tax, title, dealer installed options or fees. Please see Hendrick team for details.

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Main 850-304-0538 Sales 850-304-0538
1850 Capital Circle Ne
Tallahassee, FL 32308
Glovebox
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Contact Us

Main 850-304-0538 Sales 850-304-0538
1850 Capital Circle Ne
Tallahassee, FL 32308
Glovebox
Dale Earnhardt Jr Buick GMC 30.4705, -84.2321.