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Does Credit Matter When Applying for Car Financing?

“Does my credit score matter?” is a question we hear often at Keyes Cars. The answer is “yes”, but that doesn’t mean customers with bad credit or no credit are prevented from buying a quality automobile. Instead, our finance experts will work with you to develop a financing solution.

Does Credit Matter?

When you buy any product on credit, whether it’s an automobile or a home appliance, your credit score matters in the sense that a higher score makes it easier to get approved, and easier to obtain a low interest rate. However, car shoppers with poor credit or no credit can still visit our local Chevrolet car dealership and obtain auto financing near Glendale, CA.

One step you can take is to get a copy of your credit report, highlight the risk factors/negative items, and address these things prior to shopping for a car. Even if you’re able to settle one outstanding debt, you’ll be surprised by how much the corresponding credit score increase impacts your interest rate on an automobile. Also, making a down payment will improve your chances of getting approved and securing a favorable interest rate. The more you put down, the better.

How Our nearby Used Car Dealer can help

When you search online for “used car lots near me”, you want a local pre-owned car dealership with the financial tools and expertise to make your purchase experience stress-free. This is exactly what Keyes Cars provides to all of our customers, regardless of credit score. We offer our customers several advantages, not least of which are our long-standing relationships with numerous local banks and financial institutions. With so many options at our disposal, it’s a virtual certainty that we’ll find the ideal financing solution for you.

Moreover, when you work with our car dealership in Los Angeles, you’ll partner with seasoned finance professionals who work every day with credit-challenged customers. These specially- trained experts know what it takes to get you approved at a competitive interest rate so that you can drive away from our dealership in a car you love.

Finance with Us Today

Take the first step by getting pre-approved online via one of our Los Angeles car dealerships serving Santa Monica, CA. The form takes only a few minutes to complete, and after you submit it a representative will contact you to further discuss your credit and your car needs.