Car Financing With Limited or No Credit

Windfall Auto Sales & Service ยท Saint Marys, PA

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Everybody starts somewhere. If you don't have much credit history yet, or none at all, we can help you explore your options for financing a reliable vehicle here in Saint Marys.

How We Help

Without a credit history, lenders have less to go on. We help fill in the picture with things like steady income, time on the job and time at your address, and we look for lenders that work with buyers who are just getting started.

Build Credit as You Drive

A car loan paid on time can be a solid first step toward building your credit. We'll walk you through how it works so you know what to expect.

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

Can I finance a car with no credit at all?

Many buyers with no credit history are able to finance. It depends on things like income and stability, and every application goes through lender review.

Do I need a co-signer?

Not always. A co-signer can help in some cases, and we'll let you know if it would make a difference for you.

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All financing is subject to credit approval and lender terms.