Bad Credit? We Finance In House
We carry the note ourselves, so a rough credit history is not an automatic no. Apply and find out where you stand.
Bad credit happens to good people — a medical bill, a job loss, a divorce, or simply being young with no credit history yet. Because we finance in house at It Is What It Is Auto Sales, your score is not the whole decision. Income, time on the job, and your down payment matter more here.
We are not going to promise you an approval before we read your application. Fill it out, the owner reviews it, and we tell you what we can do. It is what it is.
How We Help Drivers With Challenged Credit
In-house financing means we look past a single number. Income stability, time on the job, down payment, and the specific vehicle all factor into the decision. Even if a bank has turned you down, you may still be able to buy here.
We are also realistic with you. We will point you at vehicles that fit a payment you can actually keep current, not the most expensive car we could put you in.
- In-house Buy Here Pay Here — the owner decides
- Outside financing accepted if your bank says yes
- Down payment and trade-in strengthen the deal
- Straight terms, explained before you sign
What Improves Your Odds
A larger down payment lowers the risk and your monthly payment. A trade-in can serve as part or all of your down payment. Proof of steady income and a valid driver's license round out a strong application. A co-signer can help if your credit is very thin.
Frequently Asked Questions
What credit score do I need?
There is no hard minimum. We finance in house and weigh income, employment, and down payment alongside your credit history.
Who makes the decision?
The owner, in house. We carry the note, so no outside lender is involved in a Buy Here Pay Here deal.
How much down payment do I need with bad credit?
It depends on the vehicle and your situation. More down helps. Even a modest down payment or a trade-in improves the deal.
Can a car loan help rebuild my credit?
On-time payments help when the loan is reported to the credit bureaus. Ask us what reporting applies to your deal before you assume it.
Can I buy after a repossession?
Often, yes — especially with steady income and a down payment. Apply and we will tell you straight.
Do I need a co-signer?
Not necessarily. A co-signer can help a thin or challenged application, but plenty of customers buy on their own.