Having bad credit shouldn’t keep you from getting a reliable car. Many car buyers in Utah face credit challenges at some point — but financing is still possible at Ken Garff Nissan of Orem.
We work with a variety of lenders to help find buyers the loan that makes sense for them. So if you’re ready to explore your options, we’re here to work with you.
Lenders look at the full picture when considering giving you an auto loan, not just a credit score. While your score plays a role, it’s only one part of the decision.
Factors that can help your approval include:
Even if you have had past issues like missed payments, a previous denial, a repossession, or even a bankruptcy, you may still have options available. At Ken Garff Nissan of Orem, we work with many lenders who even offer options specifically for those with credit challenges.
We know that not everyone is able to make a large down payment on a car or find someone willing to cosign and that’s ok too! By filling out an application, we can help you understand exactly what your options are.
The easiest way to see your options is to apply! It only takes a few minutes to get started, and there’s no obligation. Apply for financing today! Once submitted, the Ken Garff Nissan of Orem team will review your information and reach out with next steps.
If you want to improve your chances before applying, a little preparation can go a long way.
Mistakes on your report can impact your score more than you realize. Fixing errors can give you a quick boost. You can request a free credit report from the major credit bureaus such as Equifax, Experian, and TransUnion.
Our finance experts at Ken Garff Nissan of Orem can help work with you get pre-approved. Pre-approval can help you see what your financing options are before you visit our dealership, helping you set a realistic budget and avoiding unnecessary headache.
The more you can put down, the less risk for the lender. This can also help lower your monthly payment.
Filling out multiple applications in a short time can lower your score. Working directly with our finance team at Ken Garff Nissan of Orem can help limit unnecessary credit checks.
Adding a trusted friend or family member as a cosigner can greatly strengthen your application. A cosigner with a stronger credit history can increase your chances of getting approved for an auto loan. This is also a great way to help you rebuild your own credit for the future.
Working with the right dealership can make the entire process easier. The team at Ken Garff Nissan of Orem will focus on helping you find a solution, not turning you away. We regularly work with helping buyers in all credit situations find the right vehicle for their budget.
We have longstanding relationships with many local and national banks and credit unions. This increases our chances of finding you a loan that fits your situation.
Whether you’re looking for something new or pre-owned, you have access one of the largest vehicle inventories in Utah. We can help you find a truck, fuel-efficient commuter car, SUV, or three row family hauler that’s perfect for your needs.
We know from experience that purchasing a car with bad credit can be stressful and a lot of extra work. Our finance team at Ken Garff Nissan of Orem will explain your options clearly so you can make an informed decision.
Whether you’re in Orem, Provo, Salt Lake City or somewhere else, you can begin the process from home and have our finance experts go to work for you before ever setting foot in the dealership.
Ken Garff Nissan of Orem is conveniently located on W University Parkway in Orem, making us a prime location for residents of both Utah County and Salt Lake County.
Getting approved for an auto loan with bad credit will usually require more than your credit report. Bringing the right information can help move things along quickly. Most lenders will request:
Additional documents may be requested depending on your situation.
It’s important to look at the full cost of owning a vehicle in Utah. Monthly payments are just one part of the equation.You should also factor in insurance costs, fuel expenses, routine maintenance, and fees & registration.
Choosing a vehicle that fits your overall budget helps you avoid financial strain later. Our professionally trained staff at Ken Garff Nissan of Orem has the experience required to help you make the right financial decision for your budget.
We know that buying a car with bad credit can be a stressful experience, but we want to help make it easier. Even if you have no money down, a bad credit score, previous bankruptcy or something else, we can help you discover your options! Buying a car is possible for you!
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The easiest way to see your options is to apply! It only takes a few minutes to get started, and there’s no obligation. Apply for financing today! Once submitted, the Ken Garff Nissan of Orem team will review your information and reach out with next steps.