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Bad Credit Auto Loan – Mesa, AZ

Your credit score doesn't determine your need for a vehicle. You can have great credit, bad credit, or no credit and still need a vehicle. After all, you need to get to work, drive the kids to school, and take care of your other responsibilities. One significant difference is with good credit you'll be approved for an auto loan relatively easily. But with poor credit or no credit, you may find yourself stuck without options. You need a new vehicle, and yet other dealerships are not willing to work with you, and your bank has already turned you down for a car loan. When all of that happens, what are you supposed to do? Turn to the team at Arizona Car Sales. Our experienced staff of financial professionals is on hand to work with you on your credit and line you up with the right car loan. So, when you are looking for bad credit auto loans, don't fret. We're here to help.

A bad credit auto loan is on a table with car keys at our Mesa, AZ dealership.

Working With What You Can Afford

Our staff here at Arizona Car Sales is here to help you find a car you can afford, no matter your credit. To do this, we will go over your current financial situation and help you identify an amount of money you can afford to pay every month. We don't want you to feel like you're pinching pennies just to make payments. We also don't want you to feel overwhelmed. This is why we'll work with you on identifying this amount.

With the monthly payment amount in hand, we can then go over the vehicles on the lot to find something that meets not only your needs but your budget.

What happens if you find a vehicle you like and that fits your needs but is a bit out of your budget? Well, we might have some ways to make it more affordable on a monthly basis. It might be possible to extend the monthly payments out another year or two. This way, you'll pay less every month, which might help bring the payment down to an affordable level for you. Our staff has several ways we can work with you and your financial situation to help put you in a vehicle. Our staff are parents and/or care for their family members in some way, so they fully understand the importance of having a safe, reliable vehicle, which is why we all want to do our part to help you access a vehicle to do the same.

We'll Help You Build Your Credit

By buying a vehicle from us, you'll not only have access to bad credit card loans, but you'll be able to improve your credit score by using our services as well. By signing up for a loan with a payment you can afford, it will be easier to make the monthly payments. By making your monthly payments on time, you will gradually improve your credit score. This way, with the improved credit score, you will receive improved interest rates on future loans, which will help save you money. So while other dealers might not be willing to work with you and help you build your credit, our staff here at Arizona Car Sales will.

Let Us Know You Have Bad Credit And We'll Worth With You Right Away

A credit score report is shown with a Poor score.

Having a poor credit score and being rejected by other dealerships can be frustrating. For some, it is also embarrassing. We get it. We've all been there, and we know the struggle of being rejected while still needing a vehicle. With our staff, you don't need to be frustrated or embarrassed. That's why we're here. We want to help you out, and the best way to help is to tell us that you've been turned down by other dealerships or that you don't have the best credit score. This way, we can get to work right away in helping you repair your credit score and connecting you with the right vehicle.

Instead of walking through the lot, looking at vehicles that might not be affordable at this present time, we can get hard to work on finding the right loan for you. And, by coming to us, if you don't need a vehicle right this instant, but now you'll need one several months down the road, we have enough time to go over your credit report and give you pointers on how you can improve your credit score. While you might have bad credit right now, it's amazing what just a little bit of help can do. By making a few changes and by identifying some errors on your credit report, you will see your report moving up in no time at all.

And don't worry. It doesn't matter to us that you have bad credit or how you landed in the situation you are in. What does matter to us is we want to help you move forward with the right car loan in the right car. So if you're ready to begin the car-shopping process with a dealership that wants to help (and won't just treat you like a number), now is the time to come on out to Arizona Car Sales.

Checking Your Credit Score

Before you come in, there are a few ways you can go about improving your credit score. By improving your credit score, you'll be able to potentially reduce interest rates, which saves you money long term.

First, we recommend looking at your credit report. Don't worry; this doesn't harm your credit score by simply looking at it. This is because you are seeing a soft credit score. A soft credit score gives you an overview of your credit report. A hard credit report gives much more in-depth information. It is a hard report that might temporarily reduce your score. For this purpose, there is no need to request a hard report. And never, ever, pay a service to see it. There are plenty of trustworthy services that work out well for this.

Your bank can provide you with a free credit report, and chances are your credit card can do this as well. Once you have such a report in hand, go over the information and make sure there are no errors. For example, there might be a gym membership you canceled, but they are reporting it as active. You will need to contact the company reporting the error. Make sure to stay on them as well (it can take a few weeks for this kind of information to be updated on your credit report). If there are a few errors such as this, by simply correcting the problems, you'll see your report begin to climb.

Additionally, if there are small issues you can fix, go about doing this. If you have any late payments or outstanding payments, do what you can to become up to date on all your payments. Being current on all your payments helps a good deal.

If you have any further questions about how you can specifically improve your credit score, please give us a call. Our financial staff will help give pointers to what you should do.

Also, you may have seen television advertisements about a way to "Boost" your credit score by having your utilities included in your credit report. You need to understand that this can harm your credit report as well. So before you sign up for this, think back on your utility payments. Have they been on time? Have you received cut-off warnings? If you can think of any late payments or partial payments, you should avoid using this service. The last thing you want to do is pull your report down further.

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480-821-6161

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1648 E. Main Street • Mesa, AZ 85203

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Today's Hours:

Open Today! Sales: 9am-7pm

Open Today! Service: 8am-5pm

Open Today! Parts: 8am-5pm

Arizona Car Sales 33.415775, -111.794924.