Is a low credit score the main hurdle to purchasing the car you want? We don’t think poor credit should keep you from the car you want, and we do our best to make sure it can’t. There are dealers and lenders in your area ready to fund your purchase, and we can place your application with them. There are zero fees or obligations. Head here for our finance application.

Vehicle Lending Scenarios for Bluffton Consumers

Bluffton has an average monthly income of $2,251, and we have provided several example scenarios to give you some sense of what’s typical. The interest rates here are not meant as advertisements. Yours could vary dramatically, and most likely will.

No Down Payment – Available?

If you have a bad credit score and no money down, there are often problems getting approved. Assuming you have a bad credit score, a 20% down payment is normally a requirement. This would be $4,502 for a car that costs $22,510. But keep in mind: a lot of down payments are made in trade rather than cash, as most people are trading in a vehicle they no longer need. Don’t delay: submit your application to find out about any zero down car deals in Bluffton.

Buy Here Pay Here in Bluffton

As you may have seen, buy here pay here car lots are on the rise in Bluffton, as well as the rest of South Carolina. These types of dealerships check an applicant’s income, not their credit–the basis for the phrase your job is your credit.

In reality, these dealers are known to charge higher than normal rates of interest, and the cars and trucks you’ll see on the lot are typically a little beat-up.

Bluffton Bad Credit Car Dealerships

Good thing not every bad credit car lot in Bluffton does BHPH. Some conventional dealerships are able to set up auto loans for people with less-than-perfect credit, typically at reduced interest rates and more advantageous terms, and help them re-establish their credit in the mean time. By paying off your loan on time month after month, you should be able to substantially improve your credit score. It’s possible to finance many of the vehicles listed below, in spite of a bad credit score. As soon as you find one that suits you, let the dealership know your situation through the form provided, asking for further information.