Bad Credit? No Credit? No Problem!
How it works…
- 1. Apply Online
- 2. We find your best option
- 3. Get approved!
Fill our our quick & simple credit application to get your Credit Approval!
Getting approved for an auto loan is easier than you think, even with bad or no credit. Looking for a financial reset? We work with numerous lenders to find your best option and help you build a successful financial future. At Syracuse Credit, your past doesn’t define your future. Get behind the wheel today!
Why Choose Us?
- We’ve specialized in helping people of all ages, backgrounds, and credit histories for nearly 50 years!
- We work with an extensive network of national & local lenders to expedite your credit approval.
- We have access to a massive selection of vehicles to meet everyone’s tastes, budgets, and situations.
- We custom tailor your loan terms to meet your needs and budget.
Frequently Asked Questions
Q: I’ve had a bankruptcy. Can I still get approved?
A: Yes! Even if your bankruptcy was discharged yesterday, we will get you approved for a loan.
Q: I’ve never had credit before. Can I still get approved?
A: Yes! As long as you have verifiable income, we can help get you approved.
Q: I’ve had a repossession. Can I still get approved?
A: Yes! Even if your repossession was yesterday, we can help get you approved for a loan.
Q: What is verifiable income?
A: Printed pay stubs showing deductions, proof of unemployment insurance, proof of fixed income status such as SSI or SSD, or proof of worker’s compensation.
Q: What if I’m self-employed?
A: As long as you can prove your income with bank statements showing deposits or canceled checks that you received.
Q: Do I need a down payment?
A: Most people do need some cash down. That is how the bank gets comfortable with loaning you the rest of the money needed to purchase the vehicle you want.
Q: How much of a down payment will I need?
A: The amount of your down payment is determined by the bank giving you the loan. It’s different for every customer and depends on several different factors like credit history, length of employment, vehicle choice, and more. We will work with you to find the right vehicle with the right down payment for the right monthly payment for YOU!
Q: What if I have a trade-in?
A: Wonderful! We take trade whether they are running or not. We will appraise the trade value of your vehicle and apply that towards your down payment. Often, we have customers whose trade is worth enough that they don’t need any additional cash to get the vehicle they want.