Car Loans Bad Credit

Bad Credit Car Loans in PA

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Bad Credit Car Dealerships

If your credit situation isn’t ideal, you may be understandably nervous about the idea of financing a car purchase. You may be unsure if you can even qualify, and worry that you’ll have to pay ridiculously high-interest rates if you do. At Bob Ruth Ford, we understand how you feel, and we want to put your fears to rest.

When you shop with us, you’ll be able to qualify for car loans with bad credit! We understand that poor credit isn’t always a result of irresponsible spending. Sometimes, despite their best efforts, responsible people end up with bad credit scores as a result of factors beyond their control.

We feel that you shouldn’t be denied the opportunity to obtain a car loan based on your credit score alone, and we’ve committed to making the financing process easy and straightforward for our customers with bad credit. Qualifying for bad credit car loans in PA may sound confusing and daunting, but at Bob Ruth Ford we make the process as easy as can be. Whether you’ve declared bankruptcy in the past or have a low credit score, our fast and friendly credit process makes it easy to get approved.

Finding car dealerships that work with bad credit near you isn’t always easy - some dealers just aren’t willing to go through the trouble of securing financing for those with bad credit. That’s not how we do business at Bob Ruth Ford. We’ve built strong relationships with some of the most understanding lenders in the country, so we’ll be able to find you a car loan with a reasonable interest rate that works with your budget.

Don’t let poor credit history get in the way of finding your dream car - let the trained bad credit specialists at Bob Ruth Ford help get you into the car you want at a price you can afford.

Guaranteed Auto Loan

You may think that a guaranteed auto loan sounds too good to be true, but that’s not the case! We’re able to offer our customers a 100% acceptance rate when applying for an auto loan. How is this possible? It all comes down to the way that lenders assess risk. If you have an outstanding credit history, then you’ll obviously be deemed to be a low risk to lenders, and they’ll be happy to provide you with the loan you need.

If you’re like many of our customers and your credit score isn’t so hot - you’re still not out of the running for a car loan! In this case, lenders will see you as a higher risk, so you’ll simply need to pay more up front, take on a higher interest rate or perhaps both. Not to worry, there are ways to make this easily achievable. One popular method for affording a car loan with bad credit is to trade in your current vehicle to help cover the higher upfront costs. If this isn’t an option, it may be wise to save up to cover more of your down payment.
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We typically suggest paying at least 20% up front, but it’s smart to put as much down up front as possible if you have bad credit. Working with bad credit car dealerships like Bob Ruth Ford is a great way to help lessen the financial burden of taking on a car loan with bad credit. If you’d like to learn more about how you can qualify for a car loan with poor credit or after declaring bankruptcy, we have plenty of information available.
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Ford Financial Services

Getting pre-approved for Ford Motor Credit has never been faster or easier than at Bob Ruth Ford! All you need to do is provide some basic information on our secure online form, and you’ll find out in minutes what kind of loan you’re eligible for. It’s always a smart idea to get approved for financing before you begin shopping, that way there are no unpleasant surprises if you get your mind set on a car only to find out that you don’t qualify.

Once you’re approved, you can shop with the confidence that comes with knowing exactly what kind of cars you can afford. Working with Ford Financial Services is an excellent way to afford your next car with a low monthly payment. At Bob Ruth Ford, our finance specialists are highly trained to help you secure the funding you need for the car you’ve had your eye on.
If you’re the kind of person who prefers to have a new car to drive every 2-3 years, you’ll want to consider one of the many leasing options we have available. If you decide you want t keep your vehicle at the end of your lease, our team will be happy to work with you to come to a buyout agreement. Leasing is a great way to get your hands on the latest cars without committing to a purchase. Learn all about leasing, financing with Ford Motor Credit and more at our Ford Credit Center.
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Exterior: 
Other
Interior: 
Gray 
Mileage:
141,023
Engine:
1.6L
Model #: 
1TD69
VIN:
KL1TD52645B461768
Stock #:
SV3285B
Get Approved in Seconds
Price:  
$2,603
This front wheel drive used 2005 Chevrolet Aveo LS features a Sport Red exterior with a Gray interior and has only 141,023 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped with the Sirius/XM radio.STOCK# SV3285B PRICED BELOW MARKET RETAIL VALUE!...   Read More
Exterior: 
Silver
Interior: 
Black 
Mileage:
137,033
Engine:
2.7L
Model #: 
24452
VIN:
KMHWF35H64A911289
Stock #:
SV3741A
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Price:  
$3,160
This front wheel drive used 2004 Hyundai Sonata GLS features a Silver exterior with a Black interior and has only 137,033 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 Hyundai Sonata includes...   Read More
Exterior: 
Beige
Interior: 
Dk/light Pebble 
Mileage:
143,671
Engine:
2.0L
Model #: 
P34
VIN:
1FAFP34N35W115294
Stock #:
SV3735A
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Price:  
$3,822
This front wheel drive used 2005 Ford Focus ZX4 features a Arizona Beige Clearcoat Metallic exterior with a Dk/light Pebble interior and has only 143,671 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped with the Sirius/XM radio.STOCK# SV3735A...   Read More
Exterior: 
White
Interior: 
Light Graphite 
Mileage:
133,869
Engine:
4.6L
Model #: 
M81
VIN:
1LNHM81W21Y609338
Stock #:
PV10487B
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Price:  
$3,933
This rear wheel drive used 2001 Lincoln Town Car Executive features a White exterior with a Light Graphite interior and has only 133,869 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 Lincoln...   Read More
Exterior: 
Blue
Interior: 
Sand 
Mileage:
115,637
Engine:
2.5
Model #: 
0044
VIN:
WBAAM3348YFP80229
Stock #:
SV3715A2
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Price:  
$3,989
DESIRABLE FEATURES: Alloy Wheels, Premium Sound, and Remote Entry.This rear wheel drive used 2000 Bmw 3 Series 323i features a Blue exterior with a Sand interior and has only 115,637 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped with the...   Read More
Exterior: 
Silver
Interior: 
Slate 
Mileage:
101,481
Engine:
1.8L
Model #: 
2SL26
VIN:
5Y2SL62823Z403368
Stock #:
C09018A
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Price:  
$4,685
1 owner, Free CARFAX report.This front wheel drive used 2003 Pontiac Vibe Base features a Satellite Silver exterior with a Slate interior and has only 101,481 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped with the Sirius/XM radio.TECHNOLOGY...   Read More
Exterior: 
Silver
Interior: 
Medium Gray 
Mileage:
166,373
Engine:
2.4L
Model #: 
EC24-K
VIN:
4A3AK24F36E033513
Stock #:
SV3743B
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Price:  
$4,798
This front wheel drive used 2006 Mitsubishi Eclipse GS features a Silver exterior with a Medium Gray interior and has only 166,373 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 Mitsubishi...   Read More
Exterior: 
Blue
Interior: 
Tan 
Mileage:
84,537
Engine:
5.0
Model #: 
P45
VIN:
1FALP45T9SF132960
Stock #:
SV3400B
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Price:  
$4,940
used 1995 Ford Mustang GT features a Blue exterior with a Tan interior and has only 84,537 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped with the Sirius/XM radio.STOCK# SV3400B PRICED BELOW MARKET RETAIL VALUE! Bob Ruth Ford has this used 1995...   Read More
Exterior: 
Gray
Interior: 
Gray 
Mileage:
131,786
Engine:
3.5L
Model #: 
4U12216
VIN:
5GADV33L15D240587
Stock #:
PV10588A
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Price:  
$4,961
DESIRABLE FEATURES: DVD, 3rd row seat, Remote Entry, and Premium Sound.This front wheel drive used 2005 Buick Terraza CXL features a Platinum Metallic exterior with a Gray interior and has only 131,786 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles...   Read More
Exterior: 
Silver
Interior: 
Dark Slate Gray 
Mileage:
145,476
Engine:
2.4L
Model #: 
JSDH41
VIN:
1B3CC4FB9AN119336
Stock #:
SV3625B
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Price:  
$4,998
This front wheel drive used 2010 Dodge Avenger SXT features a Silver Steel Metallic exterior with a Dark Slate Gray interior and has only 145,476 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
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