Bad Credit, No Credit?

If you need a vehicle, there are ways to make it happen even if you have less-than-ideal credit or no credit. At Bill Penney Mitsubishi, we have an innovative financing department team that has helped drivers with varying financial situations around Huntsville, Athens, and Elkmont, AL, land their ideal ride. We can do the same for you, too.

This overview is an introduction to different ways you can overcome bad credit or no credit. For further insight, you can speak with a member of our team directly. From helping you improve your credit to developing unique financing plans, we’re confident we can get you behind the wheel of your favorite model!


How to Improve Bad Credit

One of the best options for landing your ideal model is to improve your credit score. There are various ways you can do this, and our team is happy to arrange an outline for you.

First and foremost, paying off your debts in full each month will help improve your credit score. Also, you want to consolidate your credit on a single card if possible. It’s also important to avoid paying off the debts of one card by using another card.

In general, it’s wise to avoid taking out risky cash loans that feature high interest rates. When you speak to a member of our team, we can create a comprehensive plan that will begin to raise your credit score over time!


Unique Financing Plans

Financing Plans The insight of our financing experts is one of our dealership’s greatest assets. If you see a model you really enjoy yet aren’t sure what type of plan is best for your situation, they’ll get to work on your behalf.

Financing options are flexible and extensive. Monthly rates can be adjusted. You can consider a lease as opposed to a loan. You can arrange for a buy here, pay here structure, and much more.

We make it possible for you to begin doing research online, too. The pre-approval form is a helpful way for us to learn about you, your budget, and the type of model you hope to drive. Then, we have the payment estimator. If you’re beginning to put together a budget, this estimator will give you an idea of how much a particular model might cost each month. That monthly payment is going to change depending on the length of the loan.

Finally, if you already have a vehicle, you can use our Value Your Trade calculator to receive an estimate on its trade-in value. We’re always looking to add to our pre-owned inventory, so no matter what the make, model, or model year of the vehicle, we’re interested in taking it off your hands.


Bad Credit, No Credit? We Can Help!

Our goal at Bill Penney Mitsubishi is to ensure every driver in Huntsville, Athens, and Elkmont, Alabama, can drive off in the vehicle they want. There’s no reason why less-than-stellar credit or no credit should hinder your car-shopping process. So, speak with a member of our team if you’re ready to take the first steps toward purchasing your next ride!