Poor Credit Car Loans
The process of buying a new, used, or certified car is a fun and exciting experience. No matter where your credit score lies on the spectrum, our team of financing professionals at Pat Peck Kia are committed to helping drivers near D’Iberville, Gulfport, and Hattiesburg get behind the wheel of their perfect Kia model.
Securing an Auto Loan with Poor Credit
Whether you’re currently in the process of rebuilding your credit score or you’re a first-time buyer with a limited credit history, we provide several tools and resources to help make your car buying dreams a reality. Our strong relationships with local lending agencies means we can create a package that best suits your finances, while our huge inventory of new and pre-owned models make finding the right vehicle simple.
To get started, take a few moments to complete a financial application through our site. Once submitted, one of our managers will review your information and quickly be in contact with a selection of available options. This will let you know what type of car, truck, or SUV you can afford, making your search easier.
Trading in your current vehicle is another great way to help secure a desirable monthly payment. You can receive an initial estimate on any vehicle you own by using our value-your-trade calculator.
Car Buying Tips for poor Credit
While our team provides decades of experience with helping drivers with poor credit lock-in favorable terms and rates, there’s several things you can do to increase your chances of scoring a great deal. While the path to excellent credit can open many doors down the road, you often can acquire a decent auto loan by also doing the following:
- Increase your down payment
- Use a cosigner with good credit
- Provide proof of stable income
- Choose a loan with shorter terms
Seeking out a private lender might also be an opportune way for you to find an auto loan that fits into your monthly budget.
Leasing With Poor Credit
Depending on your score, it might be worthwhile to take a closer look at a Kia lease. While not guaranteed, a lease might also help you restore your credit to good standing as monthly payments tend to be lower than taking out a loan.
If you’re the type of driver who enjoys flexibility while staying up-to-date on the latest innovations that Kia has to offer, then ask one of our financing experts for more details. You can choose from a 24-, 36-, or 48-month lease to suit your personal needs.
Explore Your Poor Credit Car Loan Options Today!
At Pat Peck Kia, our number one goal is to help pair you with the perfect new, used, or certified pre-owned Kia model. No matter your current financial situation, we’ll work hard to find you the terms and rate that’ll allow you drive away in complete confidence.
To learn more, simply stop by our convenient location or contact us to get started on working with one of our financial managers today!