Car dealerships that deal with bad credit

Is your poor credit score preventing you from buying a car?

Has a car dealer told you they can help but they need a large down payment? Have you learned that buying a car with bad credit is not easy, even when car dealers say they can help and have high risk auto loans?

If you answered yes to either of these questions, we can probably help you! Even with bad credit, we will help you get into a car with bad credit car loans.

We are different

We don't sell cars. We offer life-changing credit rebuilding programs that provide opportunity and advancement for you. Unlike "Bad Credit Car Dealerships," your credit score does not matter to us! We have hundreds of lenders that want to lend money. Most of our customers drive away in happy in a new car, so our inventory is always fresh.

Pre-Qualification is as easy as 1...2...3!

In order to serve you we ask that you follow our 3-step process:

1. Contact Us

We try to help as many people as possible, but for our Special Financing Program appointments are limited and provided on a first come, first serve basis. Call us to setup your appointment as soon as possible.

At your appointment, we will introduce our program, get your application done and find out if we have a solution that fits your budget and your situation. During your appointment you will meet with one of our Finance Underwriters.  For the best possible first impression, come a few minutes early and prepared with all the required documents.

  Call us at (888) 690-3740 or 

2. Select Your Car

After your interview with our Finance Underwriter, you will know whether or not we have a program that suits your situation and your budget.  If we do have a program that fits, we will then begin the vehicle selection and test drive process.  Through this process we will help you find a car, truck, SUV or van that not only you can afford, but also meets your transportation needs for the next several years.

A great deal of repossessions and early trade-ins occur when the car buyer does not have qualified help needed to select the right vehicle for them.  Our system ensures you vehicle purchase is based on common sense factors and not the emotional buying that traps so many people in vehicles that don't meet their needs.

3. Sign & Drive

The reality is that the percentage of Americans with damage credit is increasing.  People in those situations can come to us when no one else can help.  In order to actually help you, we have to make sure that you understand the program details, the commitment, the payments, the service plan and more.  This is where nearly all other car dealers fail!  They try to hurry you along and the next thing you know, you are neck deep in payments that are too high and on a loan that will outlast the vehicle you just bought!

We want to set you up for success, not failure. We want to be your auto dealer for life! We'll spend a great deal of time and effort to make sure you understand every detail and then leave the decision to you, fully informed.

This is a time for change! We are ready to help you advance if you are!

Call us at (888) 690-3740 or 

Bad Credit? No Credit? First Time Buyer? 

Southtowne Auto Mall works with customers regardless of their credit status. We understand that life can throw you a curveball and getting approved for a car loan may not be easy, but that is why we are here to work hard for you to make it happen.  Let us help restore your credit! With 12 dealerships in 1 location, we have more resources than anywhere state wide to get you financing on your next vehicle purchase. Stop by any one of our 12 locations in Sandy, UT today and see how easy it is for us to get you in a new or used car and back out on the road.

Click the links below to view special financing options at any of our 12 Dealerships:

How to buy a car with bad credit

Need to find a car to drive but your credit score is less than you want? Can you get financed for a car with bad credit? The answer is at our bad credit car dealerships, probably yes, though it could take some extra work. 

Your credit is the trust the the auto lenders extend to you. Lenders trust borrowers with excellent credit to pay back their loans on time more than they trust customers with bad credit to do so. That high risk is priced into loans in the form of higher interest rates plus terms that are more restrictive. If you have bad credit, car finance rates can be higher than if you have good credit. But with work, and help through a good finance department, your credit can be improved.

Though you're probably not going to get the lowest rate possible, that doesn't mean it's not worth working towards a better credit score through a new or used car loan. Researching your credit history can help you secure the most affordable car financing. Your goal is to understand where any problems lie, how you can repair your credit score, and how much you can genuinely afford to spend for a new ride. 

Once you have received auto financing, there are things you can do to make the car loan a stepping-stone to better credit. Reach out to our team and we'll help you get back on the road today! 

Car Loans with Bad Credit

Bad credit can feel like a weight around your neck when you're trying to buy a car. It can be tough to get approved for a loan, and if you are approved, the interest rates can be sky-high. But don't despair-it is possible to get a car loan with bad credit. The first step is to know your credit score. You can get a free credit report from AnnualCreditReport.com. Once you know your score, you can start shopping for a loan. If you have bad credit, your best bet is to go stop by one of our dealers. These dealerships work with a lot of different lenders, so they're more likely to be able to find a loan that works for you.

Bad Credit Car Dealerships in Utah

Southtowne Auto Mall is Home of the ZERO PAYMENTS for 90 DAYS

Through Cyprus Credit Union, you can be approved for your new auto loan and have zero payments for the first 90 days (OAC). Start your application process today and take advantage of this great offer.

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