Index
SALES: (812) 299-4505
13350 S US Highway 41, Terre Haute, IN  47802
Contact Information

Car Loans With Bad Credit

Image

Car Loans With Bad Credit

Do you have bad or nonexistent credit? It can be tough to finance something without a reliable credit history. Customers facing this difficulty can find help at Terre Haute Auto. We give Indiana drivers the opportunity they need to buy a car. Our used car dealership near you wants to stand out from the competition. We do this by offering opportunity, dependable cars, and expert advice. As a Buy Here Pay Here dealership, many people turn to Terre Haute Auto. We can help you buy a car even when your credit is bad.

Can I Get A Car Loan with Bad Credit?

Of course! You just need to find the right dealership. Terre Haute Auto is a Buy Here Pay Here dealership that makes it easier to find a car loan with bad credit. We know how important it is to own a car. Many jobs require it! Our cars for sale near you could be just what you need on a budget.

How to Get a Car Loan with Bad Credit

So, you know you have bad credit. Whatís next? There are a few steps you can take to get a car loan with bad credit,

Prove that you can pay. The first step in getting a car loan with bad credit is by proving yourself. There are many ways to show the dealership that you are capable. Your payment history, sources of income, credit utilization, and debt-income ratio could all help you pursue a car loan with bad credit.

Reduce the loan. Nobody wants to give out a massive loan if you have minimal credit. A smart way to find a loan is to reduce the amount you are looking for. There are a couple ways to do this. One way is to make a larger down payment. A larger down payment will mean less financing is required for the future. Another choice is a used vehicle trade-in. Current car owners can exchange their car for another. The trade-in value can reduce the overall value needed from a loan.

Co-signer. Another option is a co-signer. A co-signer is willing to take on some of the financial liability of the payments. This can create more leeway when offering a car loan to someone with bad credit.

What Does Buy Here Pay Here Mean?

You know we are a Buy Here Pay Here in Terre Haute, but what does that mean? Buy Here Pay Here dealerships are a one-stop place to buy a car. These dealerships buy, sell, and finance their own cars. Where other used car dealerships near you will outsource financing to separate entities, Buy Here Pay Here dealerships finance the cars themselves. This means you wonít have to be preapproved by the separate entity, and our team can have the final say. By visiting a Buy Here Pay Here dealership, you can find a car and seller that are willing to work with you. Meet with our financing staff and see for yourself what Terre Haute Auto has to offer!

How Does Buy Here Pay Here Work?

What does it mean to outsource financing? Outsourcing your financing means that another company will handle the financing services for the dealership. This isnít the case at our car lot near you. Terre Haute Auto takes it upon the dealership to offer financing. We know that third party financial services are quick to reject applicants, especially those with poor credit. Our Buy Here Pay Here in Terre Haute gives customers a chance to finance the car they need. One of our many used cars in Terre Haute is sure to be an affordable and smart choice when you need dealership financing.

Does Buy Here Pay Here Help Your Credit?

Yes. The best way to help you credit is to make sizable payments on-time. This could be anything from furniture on your credit card to a house. Cars are almost always a size-able purchase, making it an easy way to improve your credit. The longer and more frequently you pay off your loans, the more credit history you will have. A larger credit history will help future sellers recognize that you can afford to make payments. All of this is to say, financing a car from Terre Haute Auto is a great way to start building your credit.

Car Lots Near Me

Terre Haute Auto knows how much work goes into buying a used car. Customers need to set a budget, research models, visit dealerships, and review financing information. It can be a lot to handle. Luckily, our Buy Here Pay Here in Terre Haute is here to help. We offer customers the reliable in-house financing that they need to buy a car. Whether you want to visit us in-person or online, we can help you find a car for sale near you.

Exterior: 
Black
Interior: 
Neutral Shale Leather
Mileage:
47,434
Engine:
8cyl, 4.6L, hp
Model #: 
6KY69
VIN:
1G6KY54982U121381
Stock #:
102287
  
$8,995
DESIRABLE FEATURES: Include Leather, Htd Seats, Alloy Wheels, Premium Audio, Remote Entry, Auto Climate ControlThis front wheel drive used 2002 Cadillac Seville Touring STS features a Sable Black exterior with a Neutral Shale interior and has only 47,434 miles.INTERIOR OPTIONS: Heated Rear...   Read More
Exterior: 
Black
Interior: 
Charcoal Black 
Mileage:
78,283
Engine:
4cyl, 2.0L, 160.0hp
Model #: 
P3H
VIN:
1FADP3H29HL339134
Stock #:
102109
  
$13,900
DESIRABLE FEATURES: Include Alloy Wheels, Bluetooth, Sirius XM, Premium Audio, Remote Entry, Auto Climate ControlThis front wheel drive used 2017 Ford Focus SEL features a Shadow Black exterior with a Charcoal Black interior and has only 78,283 miles.INTERIOR OPTIONS: Power Sun/Moonroof, Cloth...   Read More
Exterior: 
Red
Mileage:
139,577
Engine:
6cyl, 3.6L, 305.0hp
Model #: 
1GZ69
VIN:
2G1165S34F9285980
Stock #:
102118
  
$14,900
DESIRABLE FEATURES: Include Alloy Wheels, Htd Seats, Rear Camera, Leather, Bluetooth, Remote Start, Blind-Spot Monitor, Remote Entry, Sirius XM, Auto Climate Control, Push Button StartINTERIOR OPTIONS: Rear Heat / AC, Adjustable Lumbar Seats, Power Drivers Seat, Leather Wrapped Steering Wheel,...   Read More
Exterior: 
Blue
Interior: 
Gray 
Mileage:
96,014
Engine:
4cyl, 2.0L, 147.0hp
Model #: 
C3422
VIN:
3KPFL4A79HE132150
Stock #:
102169
  
$14,900
DESIRABLE FEATURES: Include Bluetooth, Sirius XM, Remote EntryThis front wheel drive used 2017 Kia Forte LX features a Deep Sea Blue exterior with a Gray interior and has only 96,014 miles.INTERIOR OPTIONS: Cloth Seats, Pass-Through Rear Seat, Bucket Seats, Adjustable Steering Wheel, Air...   Read More
Exterior: 
Silver
Interior: 
Gray 
Mileage:
104,993
Engine:
6cyl, 3.6L, 323.0hp
Model #: 
1EF37
VIN:
2G1FD1E33F9184199
Stock #:
102013
  
$15,900
DESIRABLE FEATURES: Include Alloy Wheels, Bluetooth, Sirius XM, Remote EntryThis rear wheel drive used 2015 Chevrolet Camaro LT features a Silver Ice Metallic exterior with a Gray interior and has only 104,993 miles.INTERIOR OPTIONS: Cloth Seats, Leather Wrapped Steering Wheel, Power Drivers...   Read More
Exterior: 
White
Interior: 
Black Leather
Mileage:
80,983
Engine:
6cyl, 3.6L, 295.0hp
Model #: 
UFFS41
VIN:
1C3CCCEG0FN620505
Stock #:
102137
  
$15,900
DESIRABLE FEATURES: Include Alloy Wheels, Htd Seats, Leather, Remote Start, Bluetooth, Remote Entry, Sirius XM, Push Button Start, Auto Climate ControlThis all wheel drive used 2015 Chrysler 200 C features a Bright White Clearcoat exterior with a Black interior and has only 80,983 miles.INTERIOR...   Read More
Exterior: 
Silver
Interior: 
Black 
Mileage:
81,117
Engine:
4cyl, 2.4L, 185.0hp
Model #: 
53222
VIN:
5XXGT4L35KG300766
Stock #:
102139
  
$19,900
DESIRABLE FEATURES: Include Alloy Wheels, Bluetooth, Blind-Spot Monitor, Remote EntryThis front wheel drive used 2019 Kia Optima LX features a Sparkling Silver exterior with a Black interior and has only 81,117 miles.INTERIOR OPTIONS: Cloth Seats, Adjustable Lumbar Seats, Adjustable Steering...   Read More
Exterior: 
White
Interior: 
Dark Pewter/Dark Titanium 
Mileage:
80,510
Engine:
4cyl, 1.4L, 138.0hp
Model #: 
1JV69
VIN:
1G1JD5SB3L4104864
Stock #:
102302
  
$19,900
DESIRABLE FEATURES: Include Alloy Wheels, Rear Camera, Bluetooth, Remote Entry, Sirius XMThis front wheel drive used 2020 Chevrolet Sonic LT features a White (summit White) exterior with a Dark Pewter/dark Titanium interior and has only 80,510 miles.INTERIOR OPTIONS: Cloth Seats, Air...   Read More
Exterior: 
Purple
Interior: 
Black 
Mileage:
66,940
Engine:
4cyl, 2.4L, 185.0hp
Model #: 
53222
VIN:
5XXGT4L30KG337675
Stock #:
102295
  
$22,900
DESIRABLE FEATURES: Include Alloy Wheels, Blind-Spot Monitor, Bluetooth, Remote EntryThis front wheel drive 2019 Kia Optima LX features a Sangria exterior with a Black interior and has only 66,940 miles.INTERIOR OPTIONS: Cloth Seats, Adjustable Lumbar Seat(s), Pass-Through Rear Seat, Bucket...   Read More
Exterior: 
Gray
Interior: 
Black 
Mileage:
69,923
Engine:
6cyl, 3.6L, 300.0hp
Model #: 
LDES48
VIN:
2C3CDXJG6JH224395
Stock #:
101873
  
$27,900
DESIRABLE FEATURES: Include Alloy Wheels, Htd Seats, Remote Start, Bluetooth, Premium Audio, Sirius XM, Remote Entry, Push Button Start, Auto Climate ControlThis all wheel drive 2018 Dodge Charger GT features a Destroyer Gray Clearcoat exterior with a Black interior and has only 69,923...   Read More