Bad Credit Car Dealers in York PA

Bad Credit Car Loans

We want to approve you.

Having bad credit can make it harder to secure an affordable car loan, but it doesn’t put you out of the running. If you’re wondering where to find the premier bad credit car dealers in York PA, Bob Ruth Ford is here to help. Whether you simply have a poor credit history or have even declared bankruptcy in the past, our guaranteed auto loan program is here to help you obtain the financing you’ll need to afford the car you’ve had your eye on. We offer an incredible 100% acceptance rate for our bad credit applicants, so you can be sure you’ll qualify. Financing your vehicle purchase is often the most stressful part of the buying process, and when you’re shopping with bad credit it can sometimes feel like the odds are stacked against you! At Bob Ruth Ford, we’re committed to helping our credit challenged customers to find bad credit car loans in York PA.

Image

With fast application approval, you’ll find out right away what kind of car loan you qualify for. We understand that poor credit isn’t always an indicator of irresponsible spending. Life is unpredictable, and your credit score can sometimes get out of control despite all your efforts. Get the auto loan you deserve, with a reasonable interest rate and no application fees! Bob Ruth Ford is the clear choice among bad credit car dealers near York PA. Apply for Ford Motor Credit today, and get started on repairing your credit while scoring a car you’ll love to drive!

How We Provide Bad Credit Loans

At many Ford dealers in York, your options for financing a car purchase with bad credit are limited. Some dealers refuse to work with those who have a poor credit history, deeming them too high of a risk. That’s not the case when you shop with Bob Ruth Ford! We’re pleased to be able to offer guaranteed auto loans for all of our customers, regardless of credit history or whether you’ve filed for bankruptcy. How do we achieve this? We work with the most understanding and generous lenders in the nation to help provide York drivers with affordable auto loans. Don’t let your credit history prevent you from securing the loan you need!

You probably know that lenders use your credit score as the primary determinant of risk when deciding whether or not to provide financing. The lower your score is, the higher your risk factor. So how can buyers with poor credit, no credit or those who have declared bankruptcy qualify? Simple - lenders offset the risk associated with poor credit history by charging higher interest rates.



Improving Your Credit Score

Don’t think you’re doomed to pay at a high-interest rate forever! As you make timely payments on your loan, you’ll see your credit score steadily increase. When this happens, it may be possible to refinance your loan at a lower APR.

Of course, consistently paying your bills on time isn’t the only way to improve your credit. Keeping your credit card balance below 30% of your credit limit will help you slowly but surely improve your score. Make sure always to pay your bills on time and never max out your credit cards to maintain a positive trend in your credit reports.

When you qualify for bad credit loans in PA, chances are you’ll have to make a larger down payment on your vehicle. Many buyers have trouble finding enough cash to afford their next vehicle. A good way to afford your down payment is to use your saved cash along with trading in your current vehicle. If planning on buying an affordable used car, this may be enough to cover a down payment of 20%.




Image
Image
Image

Ford Motor Credit

If you’ve tried to obtain financing at other used car dealers in Harrisburg PA only to be turned away, you may begin to lose hope that you’ll be able to find financing. Don’t give up just yet! The bad credit financing specialists at Bob Ruth Ford will work with you to help you obtain the loan you need to afford an outstanding vehicle. With Ford Motor Credit, you can easily apply online for financing. Don’t spend hours waiting at a dealership to find out if you qualify - you can know right away at Bob Ruth Ford! As one of the top bad credit car dealerships in PA, we have years of experience helping our financially struggling customers get into the cars they need at prices they can afford.

Ready to get your hands on one of our great used cars? We’ve got all kinds of pre-owned vehicles for you to choose from. We recommend applying for pre-approval online, so you can find out how much car you can afford before you begin looking. Take the stress out of qualifying for a bad credit car loan at your used car dealer in Harrisburg PA - Bob Ruth Ford!

Exterior: 
Silver
Interior: 
Medium Earth Gray 
Mileage:
28,559
Engine:
3.5 L
Model #: 
W1E
VIN:
1FTEW1EG2GFC33126
Stock #:
SV4067
Get Approved in Seconds
Price:  
$29,500
$481.60 / month*
This four wheel drive used 2016 Ford F-150 XLT features a Ingot Silver Metallic exterior with a Medium Earth Gray interior and has only 19,028 miles.TECHNOLOGY FEATURES: This Ford F-150 includes Steering Wheel Audio Controls, Keyless Entry, an Anti Theft System, an Outside Temperature Gauge, an...   Read More
Exterior: 
Gray
Interior: 
Charcoal Black 
Mileage:
109,285
Engine:
5.4L
Model #: 
J3J
VIN:
5LMJJ3J5XCEL02330
Stock #:
PV10556
Get Approved in Seconds
Price:  
$14,500
$236.72 / month*
DESIRABLE FEATURES: 3rd row seat, Navigation, Cooled Seats, Remote Entry, and Premium Sound.This four wheel drive 2012 Lincoln Navigator L L features a Sterling Gray Metallic exterior with a Charcoal Black interior and has only 109,285 miles. Bob Ruth Ford offers 3 months of free Sirius/XM...   Read More
Exterior: 
Black
Mileage:
18,491
Engine:
3.5 L
Model #: 
5338
VIN:
5TDKZ3DC5HS890346
Stock #:
SV4291
Get Approved in Seconds
Price:  
$23,000
$375.48 / month*
DESIRABLE FEATURES: 3rd row seat, Backup Camera, Alloy Wheels, Remote Entry, and Premium Sound.Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped with the Sirius/XM radio.TECHNOLOGY FEATURES: This used Toyota Sienna includes a Homelink System, Keyless...   Read More
Exterior: 
Silver
Interior: 
Jet Black Leather
Mileage:
10,313
Engine:
3.0L
Model #: 
6KJ69
VIN:
1G6KE5R60HU182322
Stock #:
SV3854
Get Approved in Seconds
Price:  
$40,000
$653.01 / month*
DESIRABLE FEATURES: Leather, Navigation, Factory Warranty, Alloy Wheels, Remote Entry, and Premium Sound.This all wheel drive used 2017 Cadillac Ct6 Luxury AWD features a Moonstone Metallic exterior with a Jet Black interior and has only 10,313 miles. Bob Ruth Ford offers 3 months of free...   Read More
Exterior: 
Red
Interior: 
Gray 
Mileage:
9,772
Engine:
1.6 L
Model #: 
16413F45
VIN:
KMHCT4AE8HU251452
Stock #:
SV3856
Get Approved in Seconds
Price:  
$10,000
$163.25 / month*
This front wheel drive used 2017 Hyundai Accent SE features a Red Metallic exterior with a Gray interior and has only 9,772 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped with the Sirius/XM radio.TECHNOLOGY FEATURES: This Hyundai Accent includes...   Read More
Exterior: 
Silver
Interior: 
Dune 
Mileage:
11,918
Engine:
3.5 L
Model #: 
P2F
VIN:
1FAHP2F88JG126239
Stock #:
SV3891
Get Approved in Seconds
Price:  
$19,000
$310.18 / month*
DESIRABLE FEATURES: Backup Camera, Navigation, Cooled Seats, Alloy Wheels, Blind Spot Monitor, Premium Sound, and Remote Entry.This front wheel drive used 2018 Ford Taurus Limited features a Ingot Silver Metallic exterior with a Dune interior and has only 11,918 miles. Bob Ruth Ford offers 3...   Read More
Exterior: 
White
Interior: 
Black 
Mileage:
101,951
Engine:
3.6 L
Model #: 
WKJH74
VIN:
1C4RJFAG2EC510777
Stock #:
BV1075
Get Approved in Seconds
Price:  
$12,000
$195.90 / month*
DESIRABLE FEATURES: SiriusXM, Remote Entry, and Premium Sound.This four wheel drive used 2014 Jeep Grand Cherokee Laredo features a Cashmere Pearlcoat exterior with a Black interior and has only 101,951 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles...   Read More
Exterior: 
Blue
Interior: 
Jet Black 
Mileage:
36,423
Engine:
1.4L
Model #: 
1PX69
VIN:
1G1PE5SB1G7131265
Stock #:
PV10862
Get Approved in Seconds
Price:  
$11,000
$179.58 / month*
DESIRABLE FEATURES: Remote Start, Alloy Wheels, Premium Sound, SiriusXM, and Remote Entry.This front wheel drive 2016 Chevrolet Cruze Limited LT features a Blue Ray Metallic exterior with a Jet Black interior and has only 36,423 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite...   Read More
Exterior: 
White
Interior: 
Medium Earth Gray 
Mileage:
24,457
Engine:
3.5 L
Model #: 
W1E
VIN:
1FTEW1EG7GFD43573
Stock #:
SV3959
Get Approved in Seconds
Price:  
$29,000
$473.43 / month*
DESIRABLE FEATURES: Tow Pkg, Factory Warranty, Remote Entry, and Premium Sound.This four wheel drive used 2016 Ford F-150 XLT features a Oxford White exterior with a Medium Earth Gray interior and has only 24,457 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used...   Read More
Exterior: 
Gray
Interior: 
Charcoal 
Mileage:
13,120
Engine:
2.5 L
Model #: 
13115
VIN:
1N4AL3AP4FN917565
Stock #:
PV10762
Get Approved in Seconds
Price:  
$13,200
$215.49 / month*
This front wheel drive used 2015 Nissan Altima 2.5 S features a Gun Metallic exterior with a Charcoal interior and has only 13,120 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped with the Sirius/XM radio.TECHNOLOGY FEATURES: This Nissan Altima...   Read More
footer background
      
Sales HOURS
Call Us Today - (877) 818-1593
9:00a - 8:00p
9:00a - 8:00p
9:00a - 8:00p
9:00a - 8:00p
9:00a - 8:00p
9:00a - 5:00p
Closed
      
Service HOURS
      
Parts HOURS