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One of the most common questions we hear as a buy here, pay here dealership is, “Can I get a car loan with a bad credit score?” This is an important question to address because having low credit isn’t uncommon. Unfortunately, with many loans, having low credit means you simply can’t get financed.

Will having bad credit harm your chances of getting a vehicle? Not when you come to Car-N-Credit!

Can I Get a Car Loan with a 500 Credit Score?

Yes! Car-N-Credit has guaranteed auto loans for drivers with a 500 credit score. Whether you have little to no credit or a low credit score, we work hard to help you get financing for the vehicle you want.

We know that a credit score doesn’t show your full picture. Some people haven’t had the opportunity to build their credit. Others fall on hard times temporarily and want to work back up to a good score. We understand the many variables that affect a credit score, which is why we’re happy to help anyone with less-than-perfect credit get a used vehicle that works for them.

How Guaranteed Car Loans Work

At Car-N-Credit, we specialize in guaranteed car loans. These are loans that give you guaranteed financing, regardless of your credit score. Whether you’ve had bad credit for years or hit a temporary bump in the road, our guaranteed car loans can help.

Our loans are guaranteed because they go through us. We’ll work with you to come up with a payment schedule that fits your needs. Then, you’ll just make your payments to us as outlined in the agreement. You don’t need to worry about a big bank handling your financing. Instead, you get personalized service through Car-N-Credit.

When you apply for financing with us, it doesn’t ding your credit score like many loan applications do. We just collect your basic information, so we can contact you about some options that might work. But, if you do decide to buy from us, we report your timely payments to TransUnion to help you boost your credit score over time.

Choose from Sedans, Trucks, SUVs, and Minivans

Find your next sedan, truck, SUV, or minivan at Car-N-Credit. We have one of the best selections of used vehicles in Ohio that includes several top manufacturers and models, like the Jeep Cherokee, Dodge Grand Caravan, Kia Sorento, Ford Focus, and Chrysler 200. Whatever style you’re looking for, we probably have it in stock.

You can browse our inventory online before stopping in, too. This convenient way to shop allows you to see pictures and details of each vehicle. You can also request a test drive, a vehicle history report, and a trade-in quote to help you with your preliminary shopping. 

Competitive Financing Rates for All Credit Scores

One of the best things about working with Car-N-Credit to get financed for your vehicle is our competitive financing rates. We have rates that work for any credit score range, so whether you have no credit, bad credit, or good credit, you can shop with us and know you’re getting an excellent rate.

We consistently check our rates against competitors to ensure that we’re offering fair financing to our customers. We want to see you build your credit and get into the car you want. And we know that you can only do that when you have affordable financing.

Feel free to give us a call, fill out the online financing form, or stop in to our dealership to speak with our team and learn how we can help you. We consider each customer’s individual needs to come up with financing options that work for them, and we’re happy to do the same for you.