How to Get a Car with Bad Credit

woman signing car dealership contract


Finance Department Contact Us


One question we’re frequently asked is, “Can I get a car loan with bad credit?” Yes, it’s possible in some cases. There are ways to get auto financing with a not-so-great credit score and drive home to South Riding in the new or pre-owned car you need. Read on for tips on how to finance a car with bad credit and what you can expect throughout the process.

Getting a Car Loan with Bad Credit: Steps to Take

If you’re wondering, “Can I get a car loan with bad credit,” you can take the following steps to help improve your chances of approval:

  • Sit down and budget your expenses for the month, and figure out how much you can afford in car payments.
  • Save for a larger down payment.
  • Work on improving your credit score as much as possible before you apply.
  • Determine what kind of car you need — not necessarily the car you want.
  • Ask questions along the way!

Work on Improving Your Credit

Initially, your credit score is impacted after you apply for a loan. Lenders perform hard inquiries on an applicant’s credit score before making a decision. However, if you’re approved, you can use the opportunity to boost your credit over time. Making payments on time and in full is a great way to build creditworthiness.

Learn More About Auto Financing from Mercedes-Benz of Chantilly!

Now that you know the answer to the question, “Can you finance a car with bad credit,” contact us at Mercedes-Benz of Chantilly to learn more about how auto finance works. Use our handy online tool to value your trade-in vehicle and put its value toward a new or used car from our inventory. Take a few minutes to browse our current new and CPO vehicle specials to find a reliable vehicle at a price you wouldn’t expect.

More from Mercedes-Benz of Chantilly

  • Mercedes-Benz C-Class MPG

      The new Mercedes-Benz C-Class is ready to help you look forward to your South Riding drives. It comes packed full of luxury features that are expected of any new Mercedes-Benz sedan but it offers robust and refined performance to satisfy your need for speed. While the Mercedes-Benz C-Class Sedan provides plenty to appreciate, we know…

  • Mercedes-Benz GLC Price & Configurations

      With nearly every model in the new Mercedes-Benz model lineup providing impressive vehicles for you to explore, it can be difficult to narrow down your options. Whether you’re interested in a high-performance vehicle or one that offers incredible comfort on your South Riding adventures, you’re sure to find a Mercedes-Benz that won’t let you down….

  • Mercedes-Benz C-Class Interior

      If you’re considering a new luxury sedan to join you on your South Riding adventures, the 2023 Mercedes-Benz C-Class is a great place to start. It delivers incredible driving dynamics to get you excited about your time behind the wheel while its exterior design will turn heads as you tackle the Centerville roads. While there’s…

Mercedes-Benz of Chantilly 38.8987624, -77.4604216.