Bad Credit Car Dealers York, PA

New & Used Bad Credit Car Loans

Contact Bob Ruth Ford
700 North US Route 15
Dillsburg, PA  17019
(877) 818-1593
Sales Hours
9:00a - 8:00p
9:00a - 8:00p
9:00a - 8:00p
9:00a - 8:00p
9:00a - 8:00p
9:00a - 5:00p
Have recent circumstances landed your credit score on the lower side of the spectrum? If so, donít worry--we supply bad credit loans in PA. We understand the life deals some well-intentioned people a tough hand, and when that happens, your credit score will almost always take a hit.

Because of our modern financial landscape, certain necessary activities may seem out of reach for individuals with damaged credit; buying a home, purchasing a car, and signing up for credit cards can seem like a hopeless thing. Thanks to guaranteed auto loans, you no longer have to put life on hold for yourself and your family while you take the necessary steps to repair your credit.

The best news is that while taking on a bad credit car loan is a lot of responsibility, fulfilling those monthly payments will have a huge and positive impact on your credit score. If nothing else, we hope giving you the loan you need will set you on a path towards financial recovery.

If you have any questions about the application process or the types of loans we offer, please donít hesitate to let us know. We want to help you make the right choice for your future, and weíre pleased to be a part of it.

Speak with the Knowledgeable Pros at Our Ford Finance Center

Donít try to figure out every aspect of your bad credit car finance alone; we have experienced professionals who know the ins and outs of the auto lending industry. They have seen every scenario imaginable, and they wonít be surprised or confused by your financial situation. Our team members are talented and personable, and they would love to help you get the perfect vehicle.

Youíre always welcome to contact us online or give us a call to set up a consultation. It doesnít cost you anything to speak with our team about setting up a loan, and we promise youíll feel right at home at our dealership! Get in touch at your earliest convenience.

Get Started with our Online Tools

Our bad credit car loan dealership prides itself on being convenient for customers, and that all starts with our various online tools.

Your first step is getting pre-approved for car financing. Itís quick, private, and only takes a few seconds! Youíll need to input your name, address, and basic contact information first. After that, include your driverís license number and the make and model of car youíd like to receive financing for, and an agent will be in touch with you approved financing in no time!

If you need to trade your current vehicle in before buying a new one, use our Value Your Trade tool. It requires basic vehicle information like make, model, year, mileage, and so forth. It may also ask some questions about the health of your vehicle. The tool is powered by Kelley Blue Book, so the number you receive from the algorithm is reliable.

After you get an estimate on your carís worth, you can either accept it or not--if you choose to trade the car in, youíll just drive it over to our dealership, our mechanics will give it a quick look, and youíll be on your way with cash in hand.

Youíre free to apply that money immediately towards a new car, and thereís more good news: in many states, you only have to pay sales tax on the remaining value of the new car after you subtract the value of the trade in vehicle!

Of course, we have plenty of other online helpers, such as an online service scheduling tool and a parts order form that you can use whenever you like.

If you have any questions about navigating our website or using our online tools, please let us know! Weíd be happy to help.

Ford Bad Credit Car Loans - Why Does Your Credit Score Matter?

Lenders donít know you personally, nor do they know anyone they lend money to. So how how can they measure the amount of risk involved in lending money to individuals? Thatís where credit scores come into play.

Most financing moves influence your credit score. Making payments on loans, paying your rent, maxing out your credit card, and anything else in that vein becomes part of the ledger. Events like a bankruptcy declaration can send your score tumbling, whereas timely credit card payments can leave it ticking upwards month over month.

Your credit score, in short, is a reflection on your overall financial health and behavior, and itís the only metric lenders have to go by. Therefore, a high credit score will allow you to borrow more money at a lower interest rate, and a lower credit score will limit what you can borrow and require a higher interest rate, or in this case, APR.

The easiest way to maintain healthy credit is to pay all of your bills on time (obviously!). A more advanced method is to always keep the balance you owe on your credit card to below 30% your total available credit. Itís a challenge, but it pays off by adding significant points t your score.

If you have the flexibility to do so, itís usually a good idea to wait a few months before applying for a loan if your score is down. If your score is in a position where you could bring it up with just a few months of keeping your credit card balance down, give that a try be relying on guaranteed bad credit Ford loans.

So How Can Lenders Give Me a Guaranteed Bad Credit Loan?

As we mentioned early, lenders offer lower interest rates (in the case of vehicles, APR) to customers with better credit scores. The inverse would be that borrowers with high credit scores would have to pay higher interest rates to be able to take out a loan.

These APR rates can be as high as 11-12%, so donít take them lightly. Making your payments on time will improve your credit score, so it can still be a good financial decision. But we recommend making the highest down payment you possibly can to mitigate the effects of the high interest rate.

Guaranteed Car Loans For Both New and Used Cars

We donít only offer credit for our new Fords--we want our used car customers to get great financing rates as well. No matter which car you choose to purse, let us know, and weíll help you lock down a viable financing rate.

From a brand new Ford Focus to a used Ford F-150, weíll help you get back on the road in a reliable car thatís a great fit for your needs.

Do you have any questions about our bad credit car loans? Weíd love to help you as much as we can. Our professionals understand your issues, and they want to help. Give us call today for your financing needs.
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Call Us Today - (877) 818-1593
9:00a - 8:00p
9:00a - 8:00p
9:00a - 8:00p
9:00a - 8:00p
9:00a - 8:00p
9:00a - 5:00p
Service HOURS