Car Financing With a Low Credit Score

Windfall Auto Sales & Service ยท Saint Marys, PA

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A low score doesn't tell your whole story. We take the time to look at your income, your job and what's going on in your life, then help you explore financing options that make sense.

Your Score Is Only Part of It

Lenders look at more than a three-digit number. Steady income, time on the job and a reasonable payment can all make a difference, and we help present your application in the best light.

A Payment That Fits

We focus on a vehicle and payment that fit your budget, so your next loan helps you move forward instead of setting you back.

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

What credit score do I need?

There's no single cutoff. Different lenders look at different things, so we review your full situation and look for a good fit.

Will applying hurt my score?

We look at your credit picture first and send your application only to the lenders most likely to work with you, so you're not hit with a bunch of credit inquiries.

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All financing is subject to credit approval and lender terms.