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.
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%.
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!
This four wheel drive 2011 Chevrolet Silverado 2500HD Work Truck features a Silver exterior with a Ebony interior and has only 89,319 miles.STOCK# T51717A2 PRICED BELOW MARKET RETAIL VALUE! Bob Ruth Ford has this used 2011 Chevrolet Silverado 2500HD Work Truck for sale today. Donít forget Bob Ruth... Read More
This new four wheel drive 2018 Ford F-150 XLT features a Magma Red exterior with a Black interior. We have 77 other models like this in stock!TECHNOLOGY FEATURES: This Ford F-150 includes a Sync Audio System, a Navigation System, Keyless Entry, Steering Wheel Audio Controls, an Anti Theft System,... Read More
1 owner, Free CARFAX report. DESIRABLE FEATURES: Factory Warranty, Navigation, Remote Entry, and Premium Sound.This all wheel drive used 2017 Bmw X5 xDrive35i features a Silver exterior with a Black interior and has only 30,678 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite... Read More
1 owner, Free CARFAX report. DESIRABLE FEATURES: Backup Camera, Sync Connect, Factory Warranty, Premium Sound, and Remote Entry.This rear wheel drive used 2017 Ford Mustang EcoBoost features a Shadow Black exterior with a Ebony interior and has only 3,058 miles. Bob Ruth Ford offers 3 months of... Read More
1 owner, Free CARFAX report. DESIRABLE FEATURES: DVD, 3rd row seat, Leather, Factory Warranty, Alloy Wheels, Power Liftgate, Remote Entry, and Premium Sound.This front wheel drive used 2016 Chrysler Town & Country Touring features a Billet Silver Metallic Clearcoat exterior with a Black/light... Read More
This front wheel drive used 2005 Chevrolet Aveo LS features a Sport Red exterior with a Gray interior and has only 141,023 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped with the Sirius/XM radio.STOCK# SV3285B PRICED BELOW MARKET RETAIL VALUE!... Read More
DESIRABLE FEATURES: Backup Camera, Factory Warranty, Sync Connect, Alloy Wheels, Remote Entry, and Premium Sound.This rear wheel drive used 2017 Ford Mustang EcoBoost features a Race Red exterior with a Ebony interior and has only 150 miles. Bob Ruth Ford offers 3 months of free Sirius/XM... Read More
This front wheel drive 2016 Dodge Grand Caravan SE features a Brilliant Black Crystal Pearlcoat exterior with a Black/light Graystone interior and has only 107,705 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped with the Sirius/XM... Read More
DESIRABLE FEATURES: Backup Camera, 3rd row seat, Navigation, Cooled Seats, Power Liftgate, Blind Spot Monitor, Alloy Wheels, Remote Entry, and Premium Sound.This four wheel drive used 2015 Lincoln Navigator Base features a Tuxedo Black Metallic exterior with a Ebony interior and has only 89,152... Read More
1 owner, Free CARFAX report. DESIRABLE FEATURES: Leather, Cooled Seats, Alloy Wheels, SiriusXM, Remote Entry, and Premium Sound.This all wheel drive used 2013 Buick Lacrosse Premium 1 features a Carbon Black Metallic exterior with a Titanium interior and has only 111,574 miles. Bob Ruth Ford... Read More
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