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.

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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%.




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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: 
Gray
Interior: 
Black Leather
Mileage:
44,156
Engine:
2.5 L
Model #: 
M6GIGTA
VIN:
JM1GJ1W58G1426849
Stock #:
T44619A
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Price:  
$17,000
$277.53 / month*
BackUp Camera, Bluetooth, Mazda6 i Grand Touring, 4D Sedan, 2.5L 4-Cylinder DOHC, 6-Speed Automatic, FWD, Meteor Gray Mica, Black w/Leather Seat Trim, Heated front seats, Navigation System, Power moonroof. Priced below KBB Fair Purchase Price! Meteor Gray Mica 2016 Mazda Mazda6 i Grand Touring FWD...   Read More
Exterior: 
Silver
Interior: 
Black Synthetic Leather
Mileage:
18,996
Engine:
2.0 L
Model #: 
E300W4
VIN:
WDDZF4KB6HA032832
Stock #:
SV5017
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Price:  
$37,000
$604.04 / month*
BackUp Camera, E 300 4MATIC®, 4D Sedan, I4, 9-Speed Automatic, 4MATIC®, Dune Silver, Black w/Leather Upholstery, Alloy wheels, Navigation system: COMAND, Power moonroof, Rear-View Camera. Dune Silver 2017 Mercedes-Benz E-Class E 300 4MATIC® 4MATIC® 9-Speed Automatic I4 Odometer is 4522 miles...   Read More
Exterior: 
White
Interior: 
Ebony 
Mileage:
7,611
Engine:
2.0 L
Model #: 
S3J
VIN:
MAJ6S3JLXKC254949
Stock #:
SV5038
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Price:  
$22,000
$359.16 / month*
BackUp Camera, Navigation, Bluetooth, EcoSport SES, 4D Sport Utility, 2.0L I4 Ti-VCT GDI, 6-Speed Automatic, 4WD, Diamond White, Heated front seats, Heated steering wheel, Power moonroof, Wheels: 17"" Painted Machined Aluminum. Diamond White 2019 Ford EcoSport SES 4WD 6-Speed Automatic 2.0L I4...   Read More
Exterior: 
Gray
Interior: 
Black Leather
Mileage:
30,067
Engine:
3.5 L
Model #: 
3544
VIN:
4T1BK1EB6GU218817
Stock #:
SV4550
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Price:  
$16,500
$269.37 / month*
BackUp Camera, ONE-OWNER, Navigation, Bluetooth, Avalon XLE, 4D Sedan, 3.5L V6 DOHC Dual VVT-i 24V, 6-Speed Automatic ECT-i, FWD, Gray, Black w/Leather Seat Trim, Heated front seats. Priced below KBB Fair Purchase Price! Gray 2016 Toyota Avalon XLE FWD 6-Speed Automatic ECT-i 3.5L V6 DOHC Dual VVT-i...   Read More
Exterior: 
Brown
Interior: 
Choccachino Leather
Mileage:
21,127
Engine:
3.6L
Model #: 
4R14526
VIN:
5GAKRBKD6GJ109840
Stock #:
109840
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This front wheel drive used 2016 Buick Enclave Leather features a Dark Chocolate Metallic exterior with a Choccachino interior and has only 21,127 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...   Read More
Exterior: 
Gray
Interior: 
Black W/birds Eye Maple Synthetic Leather
Mileage:
10,854
Engine:
3.5 L
Model #: 
9000
VIN:
JTHBK1GG3G2238112
Stock #:
238112
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This front wheel drive 2016 Lexus Es 350 features a Nebula Gray Pearl exterior with a Black W/birds Eye Maple interior and has only 10,854 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 used...   Read More
Exterior: 
White
Interior: 
Medium Earth Gray 
Mileage:
51,829
Engine:
3.5 L
Model #: 
W1E
VIN:
1FTFW1EG5GFD24606
Stock #:
PV10918
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Price:  
$26,500
$432.62 / month*
BackUp Camera, ONE-OWNER, Bluetooth, F-150 XLT, 4D SuperCrew, EcoBoost 3.5L V6 GTDi DOHC 24V Twin Turbocharged, 6-Speed Automatic Electronic, 4WD, Oxford White, Medium Earth Gray w/Cloth 40/20/40 Front Seat, 4-Wheel Disc Brakes, ABS brakes, Auxiliary Transmission Oil Cooler, Chrome Billet Style...   Read More
Exterior: 
White
Interior: 
Almond Leather
Mileage:
31,104
Engine:
3.5 L
Model #: 
25616
VIN:
5N1AR2MM2GC619254
Stock #:
SV4604
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Price:  
$23,000
$375.48 / month*
BackUp Camera, ONE-OWNER, Bluetooth, Pathfinder Platinum, 4D Sport Utility, 3.5L V6, CVT with Xtronic, 4WD, White, Almond w/Leather Seating Surfaces, 3rd row seats: bench, Heated front seats, Navigation System, Power moonroof, Ventilated front seats. Priced below KBB Fair Purchase Price! White 2016...   Read More
Exterior: 
Brown
Interior: 
Black Leather
Mileage:
40,855
Engine:
3.5 L
Model #: 
23616
VIN:
5N1AZ2MH7GN116164
Stock #:
116164
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This all wheel drive 2016 Nissan Murano Platinum features a Java Metallic exterior with a Black interior and has only 40,855 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 used Nissan Murano...   Read More
Exterior: 
Black
Interior: 
Medium Earth Gray 
Mileage:
43,639
Engine:
3.5 L
Model #: 
W1E
VIN:
1FTEW1E85GFB13653
Stock #:
PV10927
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Price:  
$26,000
$424.46 / month*
BackUp Camera, Bluetooth, F-150 XLT, 4D SuperCrew, 3.5L V6 Ti-VCT, 6-Speed Automatic Electronic, 4WD, Shadow Black, Medium Earth Gray w/Cloth 40/20/40 Front Seat, 3.73 Axle Ratio, 4-Wheel Disc Brakes, ABS brakes, Air Conditioning, Class IV Trailer Hitch Receiver, Equipment Group 300A Base, GVWR:...   Read More
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