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 doesnít put you out of the running. If youíre 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 youíll need to afford the car youíve had your eye on. We offer an incredible 100% acceptance rate for our bad credit applicants, so you can be sure youíll qualify. Financing your vehicle purchase is often the most stressful part of the buying process, and when youíre shopping with bad credit it can sometimes feel like the odds are stacked against you! At Bob Ruth Ford, weíre committed to helping our credit challenged customers to find bad credit car loans in York PA.

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With fast application approval, youíll find out right away what kind of car loan you qualify for. We understand that poor credit isnít 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 youíll 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. Thatís not the case when you shop with Bob Ruth Ford! Weíre pleased to be able to offer guaranteed auto loans for all of our customers, regardless of credit history or whether youíve 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. Donít 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

Donít think youíre doomed to pay at a high-interest rate forever! As you make timely payments on your loan, youíll 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 isnít 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 youíll 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%.




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Ford Motor Credit

If youíve tried to obtain financing at other used car dealers in Harrisburg PA only to be turned away, you may begin to lose hope that youíll be able to find financing. Donít 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. Donít 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? Weíve 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
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Price:  
$31,879
$520.43 / 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: 
Orange
Interior: 
Ebony 
Mileage:
7,471
Engine:
5.0 L
Model #: 
P8C
VIN:
1FA6P8CF5F5384024
Stock #:
SV3632
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Price:  
$45,807
$747.81 / month*
1 owner, Free CARFAX report. DESIRABLE FEATURES: GT Pkg, Backup Camera, Sync Connect, Factory Warranty, Remote Entry, and Premium Sound.This rear wheel drive used 2015 Ford Mustang GT features a Competition Orange exterior with a Ebony interior and has only 7,471 miles. Bob Ruth Ford offers 3...   Read More
Exterior: 
Black
Interior: 
Titanium Gray Leather
Mileage:
24,783
Engine:
2.0 L
Model #: 
8V758L
VIN:
WAU7FLFF9F1031113
Stock #:
SV3689
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Price:  
$20,943
$341.90 / month*
1 owner, Free CARFAX report. DESIRABLE FEATURES: Leather, Factory Warranty, Premium Sound, and Remote Entry.This all wheel drive used 2015 Audi A3 2.0T Premium features a Black exterior with a Titanium Gray interior and has only 24,783 miles. Bob Ruth Ford offers 3 months of free Sirius/XM...   Read More
Exterior: 
Gray
Interior: 
Charcoal Black 
Mileage:
109,322
Engine:
5.4L
Model #: 
J3J
VIN:
5LMJJ3J5XCEL02330
Stock #:
PV10556
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Price:  
$15,952
$260.42 / month*
1 owner, Free CARFAX report. DESIRABLE FEATURES: 3rd row seat, Navigation, Cooled Seats, Premium Sound, and Remote Entry.This four wheel drive 2012 Lincoln Navigator L L features a Sterling Gray Metallic exterior with a Charcoal Black interior and has only 109,322 miles. Bob Ruth Ford offers 3...   Read More
Exterior: 
Silver
Interior: 
Jet Black 
Mileage:
9,915
Engine:
3.6L
Model #: 
1GY69
VIN:
2G1105S39J9136264
Stock #:
SV3710
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Price:  
$19,540
$319.00 / month*
DESIRABLE FEATURES: Backup Camera, Alloy Wheels, Premium Sound, Remote Entry, and SiriusXM.This front wheel drive used 2018 Chevrolet Impala LT features a Silver Ice Metallic exterior with a Jet Black interior and has only 9,915 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite...   Read More
Exterior: 
White
Interior: 
Charcoal 
Mileage:
23,261
Engine:
3.7 L
Model #: 
K1Z
VIN:
1FMZK1ZMXHKB01040
Stock #:
SV3744
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Price:  
$24,476
$399.58 / month*
1 owner, Free CARFAX report. DESIRABLE FEATURES: Backup Camera, Factory Warranty, and Remote Entry.This rear wheel drive 2017 Ford Transit Wagon XLT features a Oxford White exterior with a Charcoal interior and has only 23,261 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite...   Read More
Exterior: 
Black
Interior: 
Ebony Leather
Mileage:
109,586
Engine:
5.3L
Model #: 
CK10936
VIN:
3GNTKFE34BG249095
Stock #:
PV10609
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Price:  
$16,339
$266.74 / month*
DESIRABLE FEATURES: Leather, Remote Start, Remote Entry, and Premium Sound.This four wheel drive 2011 Chevrolet Avalanche LT features a Black exterior with a Ebony interior and has only 109,586 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped...   Read More
Exterior: 
White
Interior: 
Medium Earth Gray 
Mileage:
15,680
Engine:
5.0 L
Model #: 
W1E
VIN:
1FTEW1EFXHFB55087
Stock #:
SV3806
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Price:  
$29,462
$480.98 / month*
DESIRABLE FEATURES: Sync Connect, Factory Warranty, Tow Pkg, Premium Sound, and Remote Entry.This four wheel drive used 2017 Ford F-150 XLT features a Oxford White exterior with a Medium Earth Gray interior and has only 15,680 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio...   Read More
Exterior: 
Green
Interior: 
Sand Beige 
Mileage:
110,331
Engine:
3.5L
Model #: 
6952
VIN:
JTEES43A882020701
Stock #:
PV10637
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Price:  
$11,586
This four wheel drive used 2008 Toyota Highlander Sport features a Green exterior with a Sand Beige interior and has only 110,331 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 Toyota Highlander...   Read More
Exterior: 
Silver
Interior: 
Jet Black Leather
Mileage:
10,313
Engine:
3.0L
Model #: 
6KJ69
VIN:
1G6KE5R60HU182322
Stock #:
SV3854
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Price:  
$42,948
$701.14 / 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
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