Subprime Auto Loans

Financing Help for Drivers With Challenged Credit

Credit scores and credit history can be tricky to manage, and once they start to slide in a negative direction, it is all too easy for the situation to get out of control. Whether through simple mistakes, issues in your past, or even medical emergencies, there are a variety of ways that you can find yourself with subprime or challenged credit that makes it difficult to find vehicle financing. At some dealerships, customers with challenged credit can be treated like second-class citizens or outright denied any opportunity to get a car. Here at LaFontaine Buick GMC Ann Arbor, however, we believe that everyone deserves a great vehicle and we are committed to helping you find it.

No matter what your credit score looks like, you deserve to have a fantastic car-buying experience that culminates in you driving away in a vehicle you love with payments that work for you. While you might have fewer options if you have subprime credit compared to someone with an excellent credit score, this does not mean you have no options. With one of our financing experts working for you, it is easy to explore a variety of financing solutions and take advantage of opportunities in the future to make your car financing even better. Whether you are shopping for a car today or interested in refinancing your current auto loan, we can help and make sure you get great rates that work for you.

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Secure Financing for New and Pre-Owned Models

One of the biggest misconceptions many people have about challenged credit is that it means they can only choose from the bottom of the barrel when it comes to vehicles. This is often based on bad experiences at dealerships that do not really care about getting their customers the best vehicle. Fortunately, you have a wide range of options available to you when shopping at a dealership that cares about meeting your needs, even if your credit score is not what you wish it was. In fact, many lenders do not care whether you are interested in a new or used model, only about the amount of money you need for an auto loan, so you are free to choose the right vehicle that best meets your needs.

Here at LaFontaine Buick GMC Ann Arbor, we have a diverse selection of new and pre-owned vehicles for you to choose from. This gives you access to many different options to find what you are looking for. Whether you want a stylish commuter car that'll keep your gas costs low, an SUV to meet the needs of your family, or a truck for tackling work and play alike, we can help you find it. The most important thing to us is that you get the vehicle you need with financing that works for you, even if you have challenged credit.

We work with customers from all walks of life who have dealt with a variety of struggles to get where they are. This has shaped our view of the financing process to be about people, not just numbers on a computer screen. With one of our compassionate and helpful financing experts working for you, it is easy to explore a variety of options to find the right solution to your situation. Even if other dealerships have told you that you cannot get a vehicle, we will work tirelessly to prove them wrong and get you the car you need.

From Bad Credit to Bankruptcy, We Can Help

It might seem strange to some people, but we love the financing process and helping our customers find the perfect solution for their situations. For folks with low credit scores or who are coming out of bankruptcy, the idea of discussing financing can seem like a nightmare. But to us, it is an opportunity to solve a problem for you and make sure you get a solution for an auto loan that really works for you. If you have little in the way of credit, then you might feel frustrated by how few options you have—but you are in a great spot, because now is the time to start building a strong, positive credit score and make your future easier.

Things can feel particularly hopeless for customers on the back end of bankruptcy who fear they will struggle to find any kind of loan offer. However, if you work with a team that understands how to make the most of your situation, you'll find you have far more opportunities than you realize. After your bankruptcy is discharged, you are actually in the best place possible to start rebuilding your credit and do things the right way. We can help you find lenders who look at bankruptcy as an opportunity to get in on the ground floor of your credit remodel, often with interest rates far lower than you might expect.

Even Better Options in the Future

Getting an auto loan (and making your payments on time) is one of the best ways to start improving your credit score. No matter how bad things get, there is always an opportunity to rebuild and make things better. This includes having challenged credit since you can use this chance to make payments on time, pay down credit cards and other debts, and move your credit score in a positive direction. Getting a great auto loan with terms and rates that work for you can make all of this a lot easier, which is why we are committed to helping all of our customers do that very thing. Once your credit gets better with some responsible budgeting and careful planning, then we can help you take advantage of your improved credit to get great deals in the future.

For example, if you have a vehicle you love but you are stuck with an older loan that reflects a much lower credit score, then you should consider refinancing your auto loan. You may be able to get far better terms and rates on an auto loan now, which means refinancing can potentially save you a lot of money. If you are interested in getting a different vehicle, then you can take advantage of your improved credit score to find more loan offers with great rates so you pay less for your next ride. Even if you are not sure about the right way to proceed based on your current situation, we can help with that too and make sure you are in the best shape possible as you enjoy your vehicle or shop for a new one.

We Work With All Types of Credit Scores

At the end of the day, the key thing you should remember is this: no matter what your credit score looks like, we are here to help you find the perfect vehicle. That is the most important thing to us, and it drives everything we do as we work closely with you, answer your questions, and take you through the different vehicles available to you. If you have subprime or challenged credit, you still deserve to get a great vehicle you can count on that meets your needs and whose payments will not leave you stressed out or losing sleep at night.

Whether you are building your credit score, struggling with challenged credit, or even coming out of bankruptcy, here at LaFontaine Buick GMC Ann Arbor, we are ready to help you get the car you need and ensure you drive away happy. Contact us or visit the dealership today to get started.