Bad Credit Financing

Bad-Credit Car Loans in Kansas City

We're not like all those "buy here, pay here dealerships" and "bad-credit car lots" you might see advertising. Many of these used car dealers take advantage of their customers by getting them no-credit auto loans with enormous interest rates and unrealistic terms. Don't give them the chance to turn you into a victim, too.

Instead of rolling the dice, buy a car with bad credit at any of our Kansas City car dealers, and we'll get you a reasonable subprime loan with a reasonable APR and down payment. We realize that not everyone has the credit to purchase a car; we offer sub-prime auto loan options so anyone can have a shot at reliable transportation.

We also have credit repair financing options to help you improve your credit score and secure better auto loans in the future!

Start by applying for financing online or by contacting any of our Kansas City auto dealers directly.

Everything You Need To Know About Sub-Prime Auto Loans

You might be wondering how bad credit-car loans work if you've never had one. We're here to explain your options.

A subprime or bad-credit auto loan is a normal car loan, just with adjustments to interest rates and terms based on your credit history. The lower your credit score, the higher your rate and down payment, typically.

Do you qualify for a bad-credit loan? The first thing to do is look up your score at places like Annualcreditreport.com. If you aren't rolling with a score over 620, you should expect your loan APR to be higher than the national average.

In our experience as one of the area's top used car lots, the people who seek bad-credit financing in Kansas City are likely to have one or more of these items on their credit report:

• Delinquent payments
• Unpaid medical expenses
• Bankruptcy
• Repossessions
• Divorce
• Student Loans

If your financial situation is unpredictable, and your credit or FICO score is worse than you'd like it to be, you may qualify for a poor-credit loan. But the only way to find out is to calculate your estimated car payments and apply for financing or speak with one of our financing experts!

To increase your chances of getting approved for auto financing with bad credit, you have several options:

1. Get a cosigner with decent credit
2. Buy in cash to avoid interest rates
3. Build up your credit months before visiting our Kansas City car dealers

Additionally, you should consider our credit repair financing option as a way to both build credit and pay toward car ownership.

The Benefits of Credit Repair Financing

Credit is something that takes years to build and minutes to ruin. You can be a single bad decision away from a low credit score.

But you have options. One of the best ways to improve a low credit score is to have loans and pay them on time. Each payment you make increases your score, as you're proving that you are able to pay off debt. And if you establish a positive pay history now, your credit score will thank you later.

That's where our credit repair financing solutions come into play. When you have a car loan, you're showing that you can responsibly pay back something with a title. With the help of McCarthy Auto Group, our customers can get approved for financing and get their low credit score back on track! As a bad-credit car dealership, we offer these loan options—which are no different from any other loan—without any bias toward your score or payment history.

Is Your Credit Score Dragging You Down? Apply Now!

You don't have to wait until your credit is back up to access a car. Let us help by providing you with bad credit financing in Kansas City. We are always honest about your lending options and will do our best to assist you in any way we can.

Please contact one of our finance departments or apply for financing online!