Bad Credit Car Loans

Learn How to Get a Car Loan with Bad Credit

Understanding Credit: How to Get a Bad Credit Car Loan

Bob Ruth Ford's onsite bad credit experts understand that things happen. If you are credit challenged, have gone through or are going through a bankruptcy, or are experiencing any other situation where most credit lenders would not approve you, Bob Ruth Ford can help. If you find yourself wondering how to get a car with bad credit, our trained bad credit experts will work with you to get you a suitable car loan and into the car you need today. Just because your credit score isn’t the best, that doesn’t mean you have to pay a high rate or not get the vehicle that fits your wants and needs. We work with multiple different lenders to get you the most competitive and affordable car loan.

While many different factors come into consideration when a creditor decides on whether or not to give you a bad credit car loan for a vehicle, four of those reasons play a key role in the decision process:

  • Application Information - Information you provide such as employment, residence and income information.
  • Credit History - Information of all other credit in your credit file.
  • Down Payment - The amount of money you are putting toward the vehicle or the total value of our trade.
  • Vehicle Selection - The year, cost, and the mileage on a vehicle.


Your budget is the most important factor when buying a car and getting approved for bad credit financing. This includes your income to how much you pay already in bills. Also, having money to put down for a down payment will increase the chance of better rates and monthly payment. It doesn’t matter if you have bad credit, dealing with bankruptcy, you have no credit, going through a divorce, or are a first-time buyer our bad credit car lot is here to help the Harrisburg and York, PA areas get approved.

Frequently Asked Questions

What is the best bad credit car loan I can get?
Our team of Bad Credit Experts works with hundreds of credit lenders to ensure Bob Ruth Ford customers get the best possible financing rate based on the current market.


What if I am Self-employed?
Congratulations on living your dream! We help self-employed people each day, while the situations may be different, in most cases we can secure financing. Please fill out our online credit application, and one of our finance center members will get back to you with an approval.


What if I have had a vehicle repossessed before?
A vehicle repossession is a situation that has occurred with many of our customers. We take joy in helping people just like you rebuild your credit. Please fill out our online credit application, and one of our team leaders will get back to you with an approval.


What if I just started a new job?
Way to go on the new job! Although every situation is different, in most cases, we can secure financing and get you the car of your dreams.


What if I collect social security or am on disability?
We have several credit lenders who can work with people on fixed incomes. In most cases, our team can secure your auto financing and get you the car you need.


What if I owe more on my trade-in then it is worth?
Many people find themselves in a situation similar to this. Having negative equity in your current vehicle is something our finance experts are familiar with and able to handle. Although each situation varies, in most cases, we can secure financing and get you the car of your dreams.


What if I am a first-time car buyer?
It is our business to help first-time buyers get the car of their dreams. Every first-time car buyers situations are different, but more often than not, our finance team can secure financing and get you into the car of your dream.

Bad Credit Auto Loans in Harrisburg & York, PA

If you are looking for car dealerships for bad credit near you in Harrisburg, York, or any other surrounding Central PA area, then Bob Ruth Ford is the place to go. We stock hundreds of used cars, trucks & SUVs for sale and our finance center is staffed with trained poor credit experts to get you the best rate possible for the vehicle you need today. Unlike some other bad credit car dealerships, Bob Ruth Ford is committed to you and wants to help you get back on your feet. We work with multiple banks and credit unions to ensure you do not get stuck with an unfair high interest rate auto loan.

We try to offer great car deals to everyone, and if you’re looking at budget friendly options in particular, our selection of used cars for sale under $15,000 will meet your needs. Just because these cars are below $15,000 doesn’t mean they don’t run well or look good. We’ve made sure that each vehicle we sell runs correctly and looks clean and attractive, and you have our guarantee that each car we sell will be a great value for you.

Stop in to Bob Ruth Ford today at 700 North US Route 15 Dillsburg, PA 17019 and see what we can do for you. Or, give us a call at (877) 818-1593. Our specialists are waiting to help you get into the vehicle you need today.
      
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