Guaranteed Credit Approval in Fond du Lac WI
Not everyone can have perfect credit but Holiday Automotive can always help you out. In fact, we can provide guaranteed credit approval in Fond du Lac, WI. Whether you have good credit, bad credit, or no credit at all, our team can get you financed with a payment plan that you can afford. We can even work within your budget and match you with multiple options in our enormous inventory. We have multiple lots that we can work from all on the same strip here in Fond du Lac, but you can also get started right online.
We encourage you to click the link below and get pre-approved for an auto loan with us right now. It takes only minutes and the entire process is completely secure. Otherwise, you can keep reading to learn more about getting approved.
How to finance a car when you have bad credit
Finding financing for anything with bad credit can feel impossible, but don’t let that get you down. The first step is finding a lender and a dealership that will work with you. When you come to Holiday Automotive, you get both. We work with dozens of local and national lenders to secure financing for all of our customers regardless of their credit. No need to go to a bank first and no need to rely on a dealership with a poor reputation and a limited inventory.
At Holiday Automotive, we do not limit the vehicles you can look at just because you have bad credit or even no credit. We always have hundreds of used options in stock, and you can browse through all of those options right online.
If you want to secure even better rates and terms, then we suggest that you seek out your credit reports, find out what’s dragging your score down, and find ways to address those factors. However, financing a car – especially through Holiday Automotive and the reputable lenders we work with – will go a long way towards rebuilding your credit.
If you have more questions, then be sure to reach out to us or keep reading. You can also view our inventory, request credit pre-approval, or even start the trade-in process with the links that we have below.
Credit Approval Frequently Asked Questions
So-called “Buy Here Pay Here” dealerships often use nefarious business practices throughout the sale process. They will over-inflate their prices, sell from a low-quality inventory, and are quick to repossess. At Holiday Automotive, we show you where our prices come from, we inspect and recondition every vehicle that comes into our inventory, and you will only work with reputable lenders. What’s more, many “Buy Here Pay Here” dealerships do not regularly report your payments to credit bureaus. At Holiday Automotive, we do not set you up to fail. We set you up to succeed and we want your credit to improve!
Holiday Automotive’s goal is to always to provide 100% customer satisfaction, regardless of your credit score. Unlike some dealerships, you won’t be limited to just a few vehicles to choose from if you’re less confident in your credit score. We have hundreds of vehicles across five lots, and all of them are available to all of our customers. We know it’s important to you to be able to choose your next vehicle, it’s a big decision after all, and that’s why it’s also important to us. It doesn’t matter if you have good credit, not-so-good-credit or no credit. We guarantee approval! From the moment you walk in the door, we’ll do everything we can to help you find a vehicle that fits your needs, and at a price you can afford.
This is often a bad idea. Personal loans can be just as difficult to secure as auto loans and since they do not have collateral (the vehicle that your are purchasing) they typically come with even higher interest rates.
Since we work with reputable local and national lenders, refinancing is always an option down the road. In fact, after several months of on-time payments and some equity built up in your vehicle, you may be able to refinance for a lower rate.
Our team has partnered with a financial institution that provides financing plans nationwide. They will get you on track with payments that you can afford, as well as report all of your payments to the three major credit-reporting agencies. That boils down to you not only buying a car that works within your budget, but a payment plan that also helps strengthen your credit.
We all know that several credit inquiries on your report can actually adversely affect your credit score, but what you may not know is that most scoring models count similar inquiries made in one period as just one inquiry. This period can be anywhere from 14 to 45 days. In other words, as long as you make your purchase within two weeks of your first inquiry, your credit score will receive minimal impact.
We have no desire to set you up with a vehicle or payment that you cannot afford. Our Product Specialists are non-commissioned. That means their primary goal is finding the vehicle that best meets your needs and your budget. When you visit Holiday Automotive, simply tell your Product Specialist what payments you can afford. We’ll work together to make sure you’re driving away in a car you’re excited about, and at a payment you’re comfortable with.
As with any vehicle purchase, the more money you have down or the more your trade is worth, the better it will be for your financing plan. We recommend 15% of the vehicle you’re interested in, but if you can’t provide that, we will absolutely work with you regardless of how much cash/trade you have to put down. We’ll even work with you if you can only put $0 down.
You should bring along with you a valid driver’s license, proof of residence (which includes a utility bill, pay stub, etc.), proof of income if you’re employed (pay stub), vehicle insurance information, trade-in vehicle and its title (if applicable), references, and the amount of cash you’d like to put down. If you think you have a unique situation that calls for additional documents, or if you have any questions, feel free to reach out to us.