CREDIT SCORE DOESN'T MATTER

Bad Credit Car Dealers in Nashville

We specialize in getting you approved when others say no. 500 credit score? Recent bankruptcy? Repossession? Let's get you driving.

300-499
We Can Help
500-579
Options Available
580-619
Good Options
620+
Many Options
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When do you need a car?

This helps us prioritize your request

Bad Credit? You Still Have Options

Traditional dealerships often turn away customers with credit scores below 620. But Nashville has dealers who specialize in subprime auto financing. They have relationships with lenders who look beyond your credit score to your current situation and ability to pay.

Situations We Work With

  • Recent Bankruptcy - Chapter 7 or 13, discharged or active
  • Repossession - Even recent repos, we have options
  • Collections - Medical bills, credit cards, old debts
  • No Credit - First-time buyers, new to the country
  • Divorce - Rebuilding after splitting finances
  • Job Loss Recovery - Back on your feet, ready to buy

How to Improve Your Approval Odds

  • Bring a larger down payment (reduces lender risk)
  • Show stable employment (same job 6+ months)
  • Provide proof of income (pay stubs, bank statements)
  • Consider a co-signer with better credit
  • Be realistic about the vehicle price
  • Have references ready

Rebuild While You Drive

Getting a car loan with bad credit is also an opportunity. Make your payments on time for 12-24 months, and you'll see your credit score improve. Many customers refinance at better rates after a year of on-time payments.