We all dream of sliding behind the wheel of our favorite vehicles, but sometimes, credit gets in the way. If you have less-than-perfect credit and are looking at your options, we want you to know that we have second chance financing available. What does this mean to you?
If you've ever dealt with a lower score, chances are that a couple of different factors have impacted your credit report. Generally, lower scores have a harder time qualifying credit borrowers for things like auto loans.
What our second chance financing does is provide drivers with a chance to access reliable transportation and build their credit back up through on-time payments. All we're doing is giving you an opportunity to apply when everyone else said no.
If you have dealt with one of more of the things listed below, you might be eligible for one of our second chance auto loans:
Sometimes life just happens, and there's nothing we can do about it. What we can do, is try to mitigate further loss by providing you with a second chance car loan. You might have a lower score, but that doesn't mean you shouldn't apply.
You deserve access to reliable transportation just as much as someone with an A+ score, so why not apply and see what happens? You owe it to yourself to take this first step toward a new financial journey.
So, how does this all work? We want to begin by having you apply for financing in Columbia, MO. Fill out our online credit application as best as you can, and then our finance department will review it. What are things we look for?
We look at your debt-to-income ratio, credit history, length of employment, and other factors. If we can approve a loan for you, we will contact you and go over the terms accordingly.
The best way to use our auto loans is to establish a positive payment history. Your credit score has to withstand the test of time. Generally, delinquencies remain on your report for up to ten years. In that time, you want to do things to mitigate the risk for potential lenders.
Our auto loans will make you be able to say, "Hey, I might have had some delinquent accounts at one point, but I always paid Nissan Financial Services on time!"
If you are currently trying to repair your credit, contact our finance department. We will do our part and hopefully get you behind the wheel of a new Nissan vehicle in no time!