Ken Garff St. George Lincoln

145 W. Hilton Drive
Directions Saint George, UT 84770

  • Sales: (877) 885-9282
  • Service: (877) 852-6860
  • Parts: (877) 840-4503

Financing a Car with Poor Credit

If you want to finance a vehicle and you have poor credit, the smartest thing to do is plan for the future and save up for a sizeable down payment. It is important to let your salesperson know beforehand. Speak frankly and honestly. Be very clear about your credit situation. If you're going to finance a vehicle, a dealership is mandated to pull your credit report and they will know what your credit situation is. Having less than average credit will limit some of the vehicle options available to you. Thus, being flexible in your vehicle choices will be easier to locate one that will work for your situation. 

In the event you're not able to find a vehicle that fits your needs, budget, and financial history, ask the finance manager for tips to improve your credit over the next six to twelve months. They can often give you a good personalized plan that will help you purchase the right car the next time you come in to a dealership.