No Credit/Bad Credit Financing Car Loans in Mesa

Couple buying a car


At Rocky's Auto Credit, we believe many Phoenix drivers should have access to reliable transportation, regardless of their credit. We understand that sometimes life happens, and you may have a low or no credit score. That’s why we offer you a comprehensive selection of vehicles, many of which can qualify for our No Credit/Bad Credit Financing program. This means you can take part in buy here, pay here financing. Learn more today at Rocky's Auto Credit, near Glendale!

How Does Our No Credit/Bad Credit Financing Program Work?

So, what is No Credit/Bad Credit Financing? The No Credit/Bad Credit Financing program essentially means we offer in-house financing options. After finding the perfect vehicle for your Tempe adventures, we’ll help you go over your financing options if you have no credit or credit that needs some work.

We truly want to help you get behind the wheel of a ride that checks off all your boxes, so we’ve created a custom-tailored program that makes the car-buying process simple. It doesn’t matter if this is your first time buying a vehicle or if you’ve run into issues in the past. We look forward to assisting you! Let’s take a look at what the process may look like when you take advantage of our No Credit/Bad Credit Financing program:

  1. Apply for financing with our straightforward loan application.
  2. We’ll review your application and put together the best financial plan that fits your lifestyle and circumstances.
  3. Finally, we’ll present you with your options and help you find a vehicle that meets your demands.

What Steps Should I Take To Get a Car Loan with Bad Credit or No Credit?

If you’re thinking about taking out a bad credit car loan, there are some things to try to get together beforehand to ensure you’re making the best financial decision for you right now:

  1. Determine how much you can afford to pay. This amount should encompass more than just how much you can afford to borrow. Think about other expenses like annual registration fees, car insurance, maintenance costs, and gas costs.
  2. Make a bigger down payment if possible. If your credit isn’t great, a larger down payment will help lenders see you more favorably as a borrower. Additionally, a larger down payment means you’ll have a smaller loan balance to pay off, leading to less interest paid overall.
  3. Try to clean up your credit report before applying for a loan. If you catch any errors, you should absolutely dispute them because they could be dragging your credit score down. If you have any outstanding debts, start paying them down when possible – even making a small dent can help your credit score.
  4. Be honest about what kind of car you should buy. Your focus should be financing a car with an affordable payment (even if it’s not your dream car), and one that you can afford to take care of in the coming years.
  5. Shop around with lenders. Don’t assume that the first lender to approve you will be the only one. Apply with a handful of lenders so you can compare the rates of those who approve you.

Take the Next Steps Today at Rocky's Auto Credit

You can turn to us at Rocky's Auto Credit as one of the best bad credit car dealerships in Tempe. Have lingering questions about our No Credit/Bad Credit Financing Mesa program? Contact us online anytime and explore your buy here, pay here options. Our team is always happy to assist!