loan options
It's Time to take the next step
Let us help you decide what loan option is the best fit for you!
First Time Buyer
Many 1st time buyers are worried that they may not have enough established credit to get a car loan. This is completely normal and we deal with it every day. Can you get a car loan with little to no credit? Absolutely.
We all have to start somewhere and our lenders understand that. Our strong lender relationships allow us to get approvals when some other dealerships may not. The first step is contacting us, filling out an application then letting us go to work for you.
Bad Credit
Bad credit? No problem. We realize that bad things happen to good people. No matter how it happened, if you currently have poor credit then we’re here to help you with your next car loan. A lot of people think that if they have poor credit that they’re unable to get a car loan. This is simply not the case and in fact, it’s our specialty. We have people come to us all the time, ready to give to give up because another dealership could not help them. Well, we’re not another dealership. We help people every day get loans when others have turned them down.
Lease Here Pay Here
Lease Here Pay Here is an excellent option for those who are not able to obtain traditional financing. At Ray Skillman Ford Credit, we do offer Lease Here Pay Here but do so as a last option. Over the years, we’ve had hundreds of customers come to us who thought their only option was Leae Here Pay Here until we were able to get them financed through a certified lender. Our strong relationship with so many lenders enables us to secure approvals where a lot of other dealerships cannot.
A lot of Lease Here Pay Here dealerships (we won’t name them) will put customers into a long term, unfavorable loan because that’s their only option. At Ray Skillman Ford Credit we will do what’s best for you. Regardless of your situation, we’ll always try to get you with a lender at the lowest term and interest rate possible. If that is unsuccessful and Lease Here Pay Here is our only option then we will introduce you to our excellent Lease Here Pay Here Program. Our program offers short term loans of 2-3 years with payments to fit your budget. You’ll also receive free oil changes and tire rotation for the life of your loan!
Bankruptcy 7 & 13
Our team specializes in assisting customers, in bankruptcy, drive away in a new or quality pre-owned vehicle! We have partnered with several lenders and have options available both before and after your bankruptcy has been discharged. Even if you are still debating on whether you want to include your current vehicle in your bankruptcy, come see us FIRST so we can help work out the details to see what works best for your unique situation.