Have you been looking for a new or used car for sale but have been met with roadblock after roadblock due to bad credit? If so then you need to head to the Ford dealership near you Bob Ruth Ford and see one of the many new and used cars for sale. Here at Bob Ruth Ford we gladly accept everything from poor credit to bad credit to help make your car buying dreams come. That is because we know how frustrating it can be trying to get an auto loan with bad credit history. So here at this Ford motor credit center, we will not judge you on your past credit history but instead will work with you in your current situation, to help you figure out what your best financing options here in Dillsburg, PA. We want you to drive away in a car you love as much as you do, so we will work with you every step of the way to help you with Ford bad credit financing.
What is a Credit Score?
One of the most important parts of bad credit financing is first to understand what your credit score is and what can affect it. A credit score is a three-digit number that reflects how well you manage your debt. Most traditional car dealerships and lenders will approve or deny buyers for loans based on their score. Your credit score is based on your overall credit history. That is how much debt you have and your ability to pay it off promptly. With this information, lenders will then determine how much money they are willing to let you borrow.
How to get a Bad Credit Loan
We realize that bad things sometimes happen to good people. That’s why if your credit is not what it should be due to divorce, medical bills, layoffs, even bankruptcy, you owe it to yourself to see us at Bob Ruth Ford. We want to help you figure out what your financing options are regardless of your credit score. That is because we understand just how stressful it can be to have an unreliable vehicle. While many different factors come into consideration when a creditor decides on whether or not to give you a bad credit car loan for a car, four of those reasons play a vital role in the decision process:
- Application Information - Information you provide such as employment, residence and income information.
- Credit History - Information of all other credit in your credit file.
- Down Payment - The amount of money you are putting toward the vehicle or the total value of our trade.
- Vehicle Selection - The year, cost, and the mileage on a vehicle.
Here at Bob Ruth the Ford dealership near you, we not only look at your credit score but your budget as well. Unfortunately, when traditional car dealerships learn that you have poor credit, they will either refuse to show you anything or only show you low-quality vehicles that do not match your needs. Here at this Ford dealer in PA, we will work with you to help you figure out a bad credit loan that fits your budget and needs. We will listen to you and make sure that you are getting a vehicle that fits both your wants and needs here in Dillsburg, PA.
Your budget is the most critical factor when buying a car and getting approved for bad credit financing. This includes your income to how much you pay already in bills. Also, having money to put down for a down payment will increase the chance of better rates and monthly fee. It doesn’t matter if you have bad credit, dealing with bankruptcy, you have no credit, going through a divorce, or are a first-time buyer our bad credit car lot is here to help the Harrisburg and York, PA areas get approved. Not only that but when you finance with a car dealer that accepts bad credit, you will also be able to improve your credit score over time. Being able to make a car payment every month on time will slowly but surely help you improve your overall credit score.
Here at this Ford financing center, we understand that the process of financing a vehicle with bad credit can be scary. Which is why our team is happy to answer any and all questions you may have. We will be there every step of the way, so you never feel left in the dark about anything. If you are looking for car dealerships for bad credit near you in Harrisburg, York, or any other surrounding Central PA area, then Bob Ruth Ford is the place to go. We have a variety of new and used cars for sale near you so that we have something for almost everyone here in Dillsburg, PA. When you are looking for a Ford dealership near you, come to Bob Ruth Ford at 700 North US Route 15 Dillsburg, PA 17019.