Our bad credit car loans in Batavia can help you rebuild your credit

At Pellegrino Auto Sales in Batavia NY, we're committed to treating every customer in a first-class manner. We know anyone can go through financial struggles and we don't you to hit a roadblock when you're trying to get financing for the car you need. That's why we encourage you to fill out our totally secure online pre-approval form as the first step in the car-buying process. It won't affect your credit rating and it lets us pre-qualify you for a car loan quickly and easily.

Once you take that step, you'll know how much of a loan you're qualified for and what your monthly payment will be. That will help you set a realistic budget as you do your car shopping. To help make the buying process even easier, we offer Buffalo buyers the most complete selection of used cars, trucks, SUV's and minivans in the area. In addition, we're what's known as a "Credit Acceptance Dealership" so we can offer guaranteed approval for every one of our customers.

Can I really get guaranteed loan approval regardless of my credit score?

Yes, we can guarantee your credit application will be approved whether you have bad credit or no credit at all. When you submit our online credit application, the form is encrypted and transmitted securely and we won't share your personal information except when it's required to get you the financing you need. You can even use your tax refund to help pay your car loan. At our dealership, we can help you get a car loan regardless of your credit history.

Will bad credit cause me to have a higher interest rate?

Yes, when you have a lower credit rating, your interest rate will be higher than it would be if your credit was solid gold. A higher interest rate will also have an impact on the ultimate price you pay for your car. If you find that your car loan interest rate is double the average or even more, then we encourage you to look around for a better deal. One of the specialists in our finance center can help you shop for the best available interest rate.

Will it help to make a larger down payment?

Absolutely. Rochester buyers who make a bigger down payment help offset the cost of interest, taxes and fees. In addition, a bigger down payment conveys to the lender that you're serious about paying off your loan. With a larger down payment, you reduce the amount you have to borrow and that will lower your monthly payments. If you have to wait a while to build up a larger down payment and get by with the car you have now, you'll find it's worth making the sacrifice and taking the extra time.

Should I avoid buying a car with luxury features?

Yes, that's an important part of getting financing that our valued customers from Oakfield and Elba can afford. When you have a low credit score, it's essential that you save money every way you can. By holding off on getting advanced technogy, higher level trims or leather upholstery, you'll reduce the cost of the vehicle you want to buy. Focus on the things that matter most in a used vehicle like the car's record of reliability and the condition of the powertrain. Avoid venturing into luxury territory so you can get a car loan you can afford and monthly payments you can make every month.

Can you really help me rebuild my credit?

We certainly can. We'll help you find a dependable car and an affordable loan. By making your monthly payment on time, you can pay off your vehicle and that will allow you to build your credit score. We'll be happy to give you more good advice in our finance center so you can get the bad credit car loan you need at Pellegrino Auto Sales in Batavia, NY.

Apply online for a car loan with bad credit