Challenged Credit Auto Financing near Bradenton & St. Petersburg, Florida
Explore Sub-Prime Auto Loans at Brandon Nissan in Tampa, FL
Are you car shopping near St. Petersburg, Florida but you have less than perfect credit? You might be wondering how you will make your dream of driving a new or pre-owned Nissan a reality with your low credit score. Turn to Brandon Nissan in Tampa, FL for Challenged credit financing assistance!
Our in-house finance department works with Lakeland County area car shoppers of varying credit situations; we want to make you feel comfortable whether you have great credit or a poor credit rating.
Continue reading to learn how to apply for sub-prime auto loans and what our challenged credit financing process entails.
How to Qualify For Challenged Credit Car Loans
Here at Brandon Nissan, we field many questions about our challenged credit car loans, so let us address some of the common concerns from car buyers who have low credit scores. You have come to the right place if you are trying to determine your eligibility for sub-prime auto loans!
Our finance staff in Tampa, FL assist car buyers who have faced a variety of financial setbacks, including:
- Bankruptcy
- Foreclosure
- Repossession
- Divorce
- History of missed payments
When determining a car buyer's eligibility, our finance team takes into account many factors, including the following:
Your Credit History & Rating
To initiate the challenged credit financing process, first apply for auto loans using our secure online credit application. Our auto finance experts will then run a credit check to better understand your unique financial situation and credit score and history.
Lenders utilize credit checks to review any bankruptcies, foreclosures, repossessions or missed payments you may have, so be sure to obtain the latest copy of your credit score and check for any errors first. That way, there will be no surprises when you apply for challenged credit car loans through our dealership.
Your Debt-to-Income Ratio
Auto lenders like the finance staff at Brandon Nissan will look at the total amount of your desired auto loan, also weighing your ability to pay back that loan over time. Your debt-to-income ratio is used to help determine not only your current financial standing, but also your ease of staying up-to-date with your car loan payments.
The Type of Car You Want to Drive
If you are shopping for a new Nissan here at Brandon Nissan, then you may find more favorable loan terms, since newer cars typically offer some of the lowest rates. If you are interested in a used car for sale, our finance team will work with you to settle on credit terms that complement your current financial situation.
The Amount of Your Down Payment
If you can provide a greater down payment for your auto loan, your application will represent less risk, meaning you will have a greater chance of approval. So start putting money aside for that pre-owned Nissan Rogue today!
Contact the Finance Specialists at Brandon Nissan Today
Submit your auto loan application then make the short trip over to our Tampa, Florida dealership to visit with our finance specialists. Brandon Nissan is the place to shop for a new or used Nissan and get sub-prime auto loans near Lakeland County and Bradenton, FL.