Bad Credit Car Finance Center

Used Car Loans & Bad Credit Financing

Navigating the auto financing process can seem like an endless loop of frustration. It can be even more difficult when you have poor credit, no credit or even bad credit. Which is why the team at your local buy here pay here dealership is here to help here in Fort Wayne, Indiana. All our financing is obtained through a local stand alone finance company. The entire financing process takes place locally and that can be invaluable to getting your loan approved. It allows to assure you the best possible chance of getting financed. At Auto Credit USA we understand that when you have bad credit car dealers are less likely to sell you a vehicle or will only show you run down older cars. However, here at Auto Credit USA we are not a traditional finance center and are happy to accept people who have no credit or bad credit here in Fort Wayne, Indiana.

Bad Credit Car Dealerships

We realize that bad things sometimes happen to good people. That’s why if your credit is not what it should be due to divorce, medical bills, layoffs, even bankruptcy, you owe it to yourself to see us at Auto Credit USA. We are happy to help you purchase a car regardless of your credit history and unlike traditional car loan process we will work with you to figure out a financing plan that works for you. There are many reasons working with Auto Credit USA your local buy here pay here dealer makes car buying easy

  • You can receive financing, regardless of what your credit report says or your past financial history.

  • When you work with buy here pay here dealers, you have the opportunity to improve your overall credit score.

  • We want to get you into a vehicle you love and can afford, which is why we offer low car payment terms.

  • Our interest rates are reasonable, and we will work with you to figure out weekly bi-weekly or monthly payments.

Credit Score 101

A credit is a three-digit number that reflects how well you manage your credit. Most auto loan companies approve or deny a loan amount based on this number. Your score is based on your overall credit history, how much debt you have and your ability to pay it off promptly.

With this information car, dealerships or loan companies will determine the loan amount in which you will receive to buy a car. As someone with a subprime credit score you may have fewer options than someone with better credit, but a Buy Here Pay Here dealership is a great choice.

Buy Here Pay Here Near Me

Bad credit should not prevent you from getting an auto loan for your next car. Which is why at Auto Credit USA our used car finance center offers to finance to almost anyone regardless of their credit scores.

All our financing is obtained through GCAC, a local stand-alone finance company. The entire GCAC financing process takes place locally, and that can be invaluable to getting your loan approved. It allows us to work more closely with GCAC, assuring you the best possible chance of getting financed.

We even go the extra step. If for some reason you are not approved, we’ll take the time to help you understand why, and determine what you can do to help your situation. We do care and want to see you driving today.

Improve Your Credit Score With Buy Here Pay Here Finance

One of the many benefits of financing with a buy here pay here dealer is that it gives car buyers with current or past credit issues a chance to purchase a car. Unfortunately, once a car dealership learns your credit is less than perfect, they may treat you differently. Most likely they will show you a limited selection of older cars, usually of lower quality, without consideration for what you want.

Which is why at Auto Credit USA we work with you to help you get approved for a loan amount, so you can drive away in one of our many quality used cars. We want to help you get back on track with your finances, and a great way to improve your credit history is with a car loan.

With the help of our local lender, GCAC, we can help you establish or rebuild your credit as long as you meet your payment schedule. We report monthly to the Credit Bureau, and your repayment promptness is always noted throughout your loan term.

Financing at Auto Credit USA

When you are ready to step into a new car here in Fort Wayne, Indiana does not let your bad credit score stop you. If you are not sure if a buy here pay here dealer is right for you, learn more on our frequently asked questions page or contact Auto Credit USA today and get a start on the financing process today.

For credit approval ahead of your visit, apply here online, or you can call our credit hotline 24 hours a day, seven days a week. If you ever have questions about your payments, credit or loan, contact GCAC directly at (260) 481-2020.
footer background