Secure an Auto Loan with Poor Credit

For many consumers, having a low credit score can feel like the end of the world. While this can complicate things, it doesn’t have to stop you from getting behind the wheel of a car you love. At Kearny Mesa Chrysler Dodge Jeep® RAM, our finance team will work to find an arrangement that works for you with poor credit auto loans. We carry the latest models at our Jeep San Diego dealership, such as the RAM 1500, as well as a wealth of used models.

Why Poor Credit Auto Loans Matter

If you have poor credit, it’s likely you have encountered financial transactions where your score has held you back. There are reasons that businesses are hesitant to work with low scores since these numbers can indicate a pattern of untimely payments on prior loans.

High credit scores are more likely to land low-interest rates on purchases, which means lower monthly payment amounts. That being said, our team is more than happy to work with you regardless of your score!

Improving Your Score

There are ways that you can improve your score prior to your visit at our dealership. The first step to understanding where your number went wrong is to run a credit check and take a look at past due accounts, outstanding debt, and inaccuracies. Making an effort to pay off your bills in full through payment arrangements could make a huge difference.

In the months leading up to your purchase, be sure to avoid any transactions that could make a dent in your score again, including credit card transfers and late rent payments. As you work to increase your score, be sure you are setting aside money for a down payment to reduce the cost of your vehicle.

We are excited to get you into a model like a new Jeep Wrangler, or any of our pre-owned vehicles. For more information on financing or leasing, give our team at Kearny Mesa Chrysler Dodge Jeep RAM a call!