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.
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.
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
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
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
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
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
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
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
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
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
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
*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.