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Get approved today — all credit welcome
Multiple lenders, one application. First-time buyers, bad credit and past bankruptcies are all worth a conversation.
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Your application opens on our secure DealerCenter page and goes straight to the Sylacauga finance office. This website never sees your Social Security number, date of birth or income.
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Amount financed . Example rates for illustration, before tax, title, registration and fees. Not an offer of credit.
Bad credit is not a dead end
Most of the people we finance have something on their report they wish wasn’t there: a repo, a collection, a bankruptcy, or no credit history at all. Our lenders look at your job, your income and your down payment, not just the score.
Come in with your paperwork and we’ll show you every option we can find, with the payment and the terms written out before you sign anything.
Questions we hear every day
Can I buy with bad credit?
Yes. We work with lenders who specialize in bad credit, past repossessions and bankruptcies. Steady income and a down payment help the most.
How much do I need down?
It depends on the car and the lender. Some approvals need very little down; a bigger down payment usually means a lower payment. Call 256-770-6635 and we’ll tell you what we’re seeing this week.
Do you do first-time buyers?
Yes. No credit history is not the same as bad credit, and several of our lenders have first-time buyer programs.
What do I need to bring?
Your driver’s license, two recent pay stubs, proof of residence, a list of references and your down payment. Bring your trade’s title if you have one.
Bring with you
- 1Driver’s license
- 2Two recent pay stubs
- 3Proof of residence
- 4References
- 5Down payment
About the payment estimates on this site
Payment estimates are not offers of credit. *Estimated payment for illustration only: 10% down, 72 months, 12.9% APR, before tax, title, registration and dealer fees. Not an offer of credit. Your rate and terms depend on credit approval by the lender. The rate shown is an example only; actual annual percentage rates vary widely with credit history, lender, vehicle age and mileage, term and down payment, and not every applicant will qualify for financing or for the example terms. Estimates exclude tax, title, license, registration, dealer documentation fee and any optional products. The only terms that bind anyone are those in a signed retail installment sales contract after lender approval.
Advertised prices are the vehicle’s cash price and exclude tax, title, license, registration and dealer documentation fee; they can change without notice and may contain errors we are not obligated to honor. Vehicle availability, mileage and equipment should be confirmed with a salesperson before you visit. Full details are in our Terms of Use.