If you answered yes to either of these questions, we can probably help you! Even with bad credit, we will help you get into a car with bad credit car loans.
We are different
We don't sell cars. We offer life-changing credit rebuilding programs that provide opportunity and advancement for you. Unlike "Bad Credit Car Dealerships," your credit score does not matter to us! We have hundreds of lenders that want to lend money. Most of our customers drive away in happy in a new car, so our inventory is always fresh.
Pre-Qualification is as easy as 1...2...3!
In order to serve you we ask that you follow our 3-step process:
1. Contact Us
We try to help as many people as possible, but for our Special Financing Program appointments are limited and provided on a first come, first serve basis. Call us to setup your appointment as soon as possible.
At your appointment, we will introduce our program, get your application done and find out if we have a solution that fits your budget and your situation. During your appointment you will meet with one of our Finance Underwriters. For the best possible first impression, come a few minutes early and prepared with all the required documents.
Call us at (888) 690-3740 or
2. Select Your Car
After your interview with our Finance Underwriter, you will know whether or not we have a program that suits your situation and your budget. If we do have a program that fits, we will then begin the vehicle selection and test drive process. Through this process we will help you find a car, truck, SUV or van that not only you can afford, but also meets your transportation needs for the next several years.
A great deal of repossessions and early trade-ins occur when the car buyer does not have qualified help needed to select the right vehicle for them. Our system ensures you vehicle purchase is based on common sense factors and not the emotional buying that traps so many people in vehicles that don't meet their needs.
3. Sign & Drive
The reality is that the percentage of Americans with damage credit is increasing. People in those situations can come to us when no one else can help. In order to actually help you, we have to make sure that you understand the program details, the commitment, the payments, the service plan and more. This is where nearly all other car dealers fail! They try to hurry you along and the next thing you know, you are neck deep in payments that are too high and on a loan that will outlast the vehicle you just bought!
We want to set you up for success, not failure. We want to be your auto dealer for life! We'll spend a great deal of time and effort to make sure you understand every detail and then leave the decision to you, fully informed.
At Huntington Beach Chrysler Dodge Jeep RAM, we have a large inventory of new and used vehicles, so you're sure to find the car, truck, van, or SUV that you need. We're customer-focused and dedicated to making car-buying easy and fun. While many of our customers have the excellent credit to easily qualify for vehicle financing, we also believe in giving people a second chance to rebuild their credit with an auto loan. Contact us by online chat or phone to discover how we can help you.
What do I need to get financing?
The usual answer is that you need a good credit score. But as long as you can answer "yes" to these questions, then we are not concerned about your credit report.
- Have you worked at your job for over 30 days? This shows that you have the income to pay for a car.
- Have you established a place to live? Then you have permanent roots in our community.
- Do you pay your rent or mortgage on time, or are no more than 30 days past due? This tells us that you take your financial obligations seriously.
- Is this your first time buying a car? Then we understand that you're trying to establish credit.
- Do you receive Social Security? Then either bring us bank statements for the past three months or show us your current Award Letter?
- Are you self-employed or are paid in cash? It will be helpful, though not necessary, to bring us your bank statements for the past three months.
- In the past five years, have you had less than two repossessions? This shows us that you're trying and we may be able to help you get your financial life in order.
Flexibility
Because we sell the actual vehicles, determine price, and provide financing, we can be more flexible in the terms we develop to get you into a car. We report our transactions to the credit bureaus, which is an excellent way to establish credit if you're new, to turn good credit into excellent credit, and to rebuild credit if you've suffered from slow or late payments, bankruptcy, repossession, or foreclosure.