Looking for an Auto Loan but You Have Bad Credit? We Can Help!

It’s finally happened. That old clunker you’ve been driving for the past five years has finally given up the ghost. You knew it would happen one day, but you were hoping it wouldn’t be today. Looks like it’s time to go car shopping again.

But wait...it’s been a while since you’ve had to buy a car and car prices have probably gone up over the past few years. Can you even afford a new car? Or a used “new” car?

And what about that situation you had a couple years ago that wrecked your credit score?

Oops. That was a bad time, but sometimes things happen. Ever since then, you’ve been a model consumer, paying your rent on time, making your utility payments...but still. Your credit score hasn’t recovered quite yet. Will anyone even loan you money for a new car?

The answer is yes!

Believe it or not, there are car dealerships out there that will loan money to people with bad credit. They’re often referred to as buy here pay here dealerships or bad credit auto loan dealerships. Regardless of what you call them, these dealerships provide in-house financing to people who have bad credit. They can do this because they’re willing to assume the risk involved in lending you money. They know that good people sometimes have challenges and they’re willing to work with you to get you into a reliable car that you can afford.

Sounds great, right? So where do you find one of these bad credit auto loan places?

Start at AutoMax in Henderson or Youngsville, NC.

inside used dealership

At AutoMax in Henderson, North Carolina, we specialize in offering auto loans for bad credit. It’s what we do. We know that sometimes our customers have had a rough road: the death of a spouse, a repossession, a foreclosure, a bankruptcy...or perhaps they’ve naively made bad decisions that have had unintended impacts on their credit score. This doesn’t mean they’re bad people. It just means they’re in a bad situation. It’s one they can usually recover from, but sometimes it takes a little help.

At AutoMax, we not only make auto loans for bad credit customers. We also help our customers by providing an opportunity to rebuild their credit score and get their financial life back on track.

Why Choose AutoMax?

AutoMax is a bad credit car dealership in North Carolina that’s focused on helping people solve their transportation needs and providing an opportunity to rebuild their credit at the same time. We’ve been serving the Henderson, Youngsville, Raleigh and Durham metro areas since 1989 and have made thousands of loans to customers just like you - customers who need new wheels but have had some bumps in their credit path. If you need a place that makes bad credit auto loans, AutoMax is the place for you.

We take the hassle out of getting a loan.

At AutoMax, we finance 100% of the loans we make in-house. We know what we’re doing and make the process of getting a bad credit auto loan as quick and easy as possible. We also provide other benefits, as well.

#1: Preapproval is a snap

Our preapproval process only takes a few minutes. All you have to do is answer a few simple questions, and you’ll have an answer within minutes.

Fill out our approval form online or do it when you come into our Henderson or Youngsville, NC, dealership. Filling out the loan application online is quick and easy and gives you the chance to get preapproved before you even walk onto the showroom floor. When you come to shop for your new car, make sure you bring the following items:

  • A valid North Carolina or Virginia driver’s license
  • A recent utility bill (to establish residency)
  • Two recent pay stubs (to verify monthly income amount)

#2: We take a wide variety of payment forms

At AutoMax, we want to make the whole car buying experience as convenient for you as possible. That includes giving you different options for making your payments. AutoMax will take your payments through any of these methods.

  • Automatic withdrawal on your debit card
  • Electronic payment from your checking account
  • Snail mail
  • Phone
  • Through the Internet via an online payment portal
  • Text
  • In person in our dealership

#3: We provide you an opportunity to help rebuild your credit score

When you buy a car at AutoMax, not only do we provide the funding for your new ride, we provide you the opportunity to work on rebuilding your credit score, too. How do we do this? It’s simple. When you make the payment on your car each month, we report your on-time payment behavior to Equifax, one of the country’s leading consumer credit bureaus. By making your car payments on time each month, you’re actually helping yourself out. Other lenders like to see regular monthly payments being made on time. This gives them the confidence to lend you money in the future should you need a loan for some other purchase - like a new home.

That’s all great. But what kind of selection does AutoMax have?

We’re glad you asked! We have a great selection of cars to choose from on both of our lots. The vehicles you’ll find are all vehicles that have been inspected by licensed technicians before they ever hit our lots. Our cars all come with outstanding warranties that cover much more than just the engine and transmission. Our warranties cover things like the cooling system, suspension, braking system, and electrical system. Peace of mind is part of the deal here at AutoMax.

It’s time to go car shopping!

If it’s time for you to find a new car but you’re afraid no one will loan you the money for it, have no fear. AutoMax is here. If you live in Raleigh, Durham, Youngsville, or Henderson, North Carolina, stop in and see us today. We’ll be happy to answer any questions you have about bad credit auto loans. You’ll be back on track and behind the wheel in no time!

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