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: 
Silver
Interior: 
Medium Earth Gray 
Mileage:
28,559
Engine:
3.5 L
Model #: 
W1E
VIN:
1FTEW1EG2GFC33126
Stock #:
SV4067
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Price:  
$28,000
$457.11 / month*
BackUp Camera, Ecoboost Engine, Remainder of Factory Warranty, Bluetooth, 3.31 Axle Ratio, 4-Wheel Disc Brakes, ABS brakes, Air Conditioning, Equipment Group 300A Base, GVWR: 7,000 lbs Payload Package, Power steering, Power windows, Radio: AM/FM Stereo/Single-CD Player, Rear step bumper, Remote...   Read More
Exterior: 
Black
Interior: 
Light Titanium/dark Titanium 
Mileage:
100,063
Engine:
5.3L
Model #: 
CK10543
VIN:
1GCPKSE71CF218606
Stock #:
T42919B
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Price:  
$19,500
$318.34 / month*
Black 2012 Chevrolet Silverado 1500 LT 4WD 6-Speed Automatic Electronic with Overdrive Vortec 5.3L V8 SFI VVT Flex Fuel.We want to make the buying process as easy as 1-2-3! Let us show you! 1. Pick your vehicle. 2. Value your trade/Apply for financing. 3. Test drive/Delivery.The Country Dealer Who...   Read More
Exterior: 
Black
Interior: 
Steel Gray 
Mileage:
126,108
Engine:
3.5
Model #: 
W1E
VIN:
1FTFW1ET9BFC33800
Stock #:
SV4106A
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Price:  
$16,000
Vehicle being sold ""AS-IS"", 17"" Machined-Aluminum w/Painted Accents Wheels, 3.31 Axle Ratio, 4.2"" LCD Screen in Cluster, 4-Wheel Disc Brakes, 6-Way Power Driver Seat, ABS brakes, Air Conditioning, AM/FM Stereo/Clock/Single CD, Auxiliary Transmission Oil Cooler, GVWR: 7,200 lbs Payload Package,...   Read More
Exterior: 
Brown
Interior: 
Light Titanium/dark Titanium Leather
Mileage:
98,845
Engine:
5.3L
Model #: 
CK10706
VIN:
1GNSKCE07ER171075
Stock #:
BV1101
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Price:  
$21,500
$350.99 / month*
Vehicle being sold ""AS-IS"". Priced below KBB Fair Purchase Price! CARFAX One-Owner. Clean CARFAX. Mocha Steel Metallic 2014 Chevrolet Tahoe LTZ 4WD 6-Speed Automatic Electronic with Overdrive Vortec 5.3L V8 SFI Flex Fuel Iron Block.We want to make the buying process as easy as 1-2-3! Let us show...   Read More
Exterior: 
White
Interior: 
Pewter 
Mileage:
929
Engine:
3.7 L
Model #: 
W2Z
VIN:
1FTBW2ZMXHKB12457
Stock #:
SV4197
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Price:  
$27,000
$440.78 / month*
BackUp Camera, Bumper to Bumper Factory Warranty, Bluetooth, 12V to 110V Power Inverter, 3.73 Axle Ratio, 4-Wheel Disc Brakes, ABS brakes, Cruise Control w/Message Center, Driver & Front Passenger-Side Front Airbags, Dual Bucket Seats, Dual Heavy-Duty Batteries, Exterior Parking Camera Rear, Fixed...   Read More
Exterior: 
White
Interior: 
Pewter 
Mileage:
14,629
Engine:
3.7 L
Model #: 
R1Y
VIN:
1FTYR1YM1JKA46710
Stock #:
SV4280
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Price:  
$23,000
$375.48 / month*
BackUp Camera, ONE-OWNER, Bluetooth, 3.73 Axle Ratio, 4-Wheel Disc Brakes, ABS brakes, Air Conditioning, Cruise Control w/Message Center, Exterior Parking Camera Rear, Exterior Upgrade Package, Order Code 101A, Traction control, Wheels: 16"" Steel w/Full Silver Cover. Priced below KBB Fair Purchase...   Read More
Exterior: 
Black
Interior: 
Charcoal Black 
Mileage:
23,220
Engine:
1.5 L
Model #: 
P0H
VIN:
1FA6P0HD1G5132720
Stock #:
SV4306
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Price:  
$12,500
$204.07 / month*
Priced below KBB Fair Purchase Price! CARFAX One-Owner. Clean CARFAX. Shadow Black 2016 Ford Fusion SE FWD 6-Speed Automatic EcoBoost 1.5L I4 GTDi DOHC Turbocharged VCT. Odometer is 15727 miles below market average!We want to make the buying process as easy as 1-2-3! Let us show you! 1. Pick your...   Read More
Exterior: 
Black
Interior: 
Ebony Black 
Mileage:
17,092
Engine:
2.3 L
Model #: 
K8D
VIN:
1FM5K8DH7GGC38231
Stock #:
SV4311
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Price:  
$26,000
$424.46 / month*
Priced below KBB Fair Purchase Price! CARFAX One-Owner. Clean CARFAX. Shadow Black 2016 Ford Explorer XLT AWD 6-Speed Automatic with Select-Shift 2.3L I4 EcoBoost. Odometer is 22157 miles below market average!We want to make the buying process as easy as 1-2-3! Let us show you! 1. Pick your vehicle....   Read More
Exterior: 
Gold
Interior: 
Medium Soft Ceramic 
Mileage:
19,885
Engine:
2.0 L
Model #: 
P3N
VIN:
1FADP3N21JL273592
Stock #:
SV4312
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Price:  
$13,000
$212.23 / month*
BackUp Camera, Bumper to Bumper Factory Warranty, Bluetooth, 4-Wheel Disc Brakes, ABS brakes, Air Conditioning, Alloy wheels, Four wheel independent suspension, Navigation System, Power driver seat, Power moonroof, Power windows, Radio: Sony AM/FM Single-CD/MP3-Capable, Rear Parking Sensors, Remote...   Read More
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