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.
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%.
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!
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
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
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
*Used Car Monthly Payment is calculated at 10.9% APR, 72 Month Term, 6% sales tax with 20% down on approved credit. New Car Monthly Payment is calculated at 5.9% APR, 72 Month Term, 6% sales tax with 20% down on approved credit. The advertised price does not include sales tax, vehicle registration fees, finance charges, documentation charges, and any other fees required by law. We attempt to update this inventory on a regular basis. However, there can be lag time between the sale of a vehicle and the update of the inventory. EPA mileage estimates are for newly manufactured vehicles only. Your actual mileage will vary depending on how you drive and maintain your vehicle. Before purchasing this vehicle, it is your responsibility to address any and all differences between information on this website and the actual vehicle specifications and/or any warranties offered prior to the sale of this vehicle. Vehicle data on this website is compiled from publicly available sources believed by the publisher to be reliable. Vehicle data is subject to change without notice. The publisher assumes no responsibility for errors and/or omissions in this data the compilation of this data and makes no representations express or implied to any actual or prospective purchaser of the vehicle as to the condition of the vehicle, vehicle specifications, ownership, vehicle history, equipment/accessories, price or warranties. Not responsible for typographical or data entry errors. See dealer for actual price of vehicles displayed. Although every reasonable effort has been made to insure the accuracy of the information contained on this site, absolute accuracy cannot be guaranteed. This site, and all information and materials appearing on it, are presented to the user \"as is\" without warranty of any kind, either express or implied. All vehicles are subject to change without notice or to prior sale. Vehicles 10 years old or 100,000 miles or more are offered \"As-Is\" with no warranty implied.
*Payments for all vehicles are calculated based on an average payment formula, and do not necessarily reflect the APR and / or term that may be available for an applicant.