Credit Center
Financing Help
Got Credit Challenges? We’re Here to Help You Drive
At Nielsen Chevrolet, our Finance Team works with all credit profiles. We believe everyone deserves a fair chance to drive home in a reliable vehicle.
Why Choose Us for a Bad Credit Auto Loan
- No judgment, just solutions. We evaluate your entire story, not just a credit score.
- Many lending partners. Banks, credit unions, and subprime lenders to match your situation.
- Upfront, transparent guidance. Understand your rates, terms, and down payment options clearly.
- Build credit as you drive. On‑time payments can help strengthen your credit over time.
New or Pre‑Owned — We’ll Explore Every Option
Don’t rule out a new vehicle, and consider certified pre‑owned or used models for added flexibility. We’ll help you compare payments, terms, and total cost so you can choose confidently.
All financing is subject to credit approval. Terms, rates, and down payments vary by lender and applicant.
How Your Credit Affects Your Rate
Your credit history gives lenders insight into risk, so lower scores can lead to higher interest rates. You can positively influence your offer with a few levers:
- Make a larger down payment to reduce monthly costs and interest.
- Choose a shorter term when feasible to lower total interest paid.
- Dispute inaccuracies on your credit report before you apply.
Steps to Apply for Financing
- Complete our secure credit application. It’s fast, simple, and confidential.
- Our finance team reviews your info. We work with lenders that support credit‑challenged applicants.
- Review your options. We’ll present one or more offers that fit your budget.
- Choose and drive. Pick the plan and vehicle you’re comfortable with.
Frequently Asked Questions
How will bad credit affect my interest rate?
Interest rates are based on perceived risk. Lower credit scores often result in higher rates, but putting more money down or improving your credit beforehand can help reduce the rate.
What can I do before applying to improve my chances?
Check credit reports for errors, pay down balances where possible, and avoid opening new accounts right before you apply.
Is it possible to get approved with no money down?
Possibly. Some lenders allow low or no money down for qualified applicants while others require a down payment. We’ll work to find a plan that fits your situation.
Ready to Get Started?
Fill out our online application to give our Finance Team a head start on getting you approved. Prefer a personal consultation? Call, chat, or visit our showroom — we’re here to help you drive with confidence.