Car Financing With Accounts in Collections

Windfall Auto Sales & Service ยท Saint Marys, PA

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Having accounts in collections doesn't automatically mean you can't finance a vehicle. Let's talk about what's possible for your situation.

We Look at the Whole Picture

Collections are one piece of your credit report. Your income, job history and recent payments matter too, and we make sure lenders see all of it.

A Plan That Works for You

We help you choose a vehicle and payment you can manage, so you can get where you need to go while you work on your credit.

We have relationships with over a dozen local and national banks and credit unions, including specialty lenders that help rebuild credit. Eric has more than 15 years of experience in consumer finance and knows how to put together a deal that lenders like to see.

What Can Help

  • Recent pay stubs or bank statements to show your income
  • Proof of residence, like a recent utility bill
  • A valid driver's license
  • A down payment, if you have one. Low and no down payment options are available on approved credit
  • A trade-in, if you have one

Common Questions

Do I have to pay off collections first?

Not necessarily. Some lenders may ask about certain accounts, and we'll let you know if anything needs attention.

Will medical collections count against me?

Lenders treat different types of collections differently. We'll review your situation and explain your options.

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All financing is subject to credit approval and lender terms.