Car Financing With Slow Credit or Late Payments

Windfall Auto Sales & Service ยท Saint Marys, PA

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Missed or late payments in the past happen to a lot of good people. We help buyers with slow credit explore financing options and get back on track.

Looking Beyond Late Payments

If things have been steadier lately, that matters. We highlight your recent history and current income when we put your application together.

Get Back on Track

On-time payments on your next vehicle can help rebuild your credit over time. We'll help you choose a payment you can stay on top of.

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

I have some late payments. Can I still apply?

Yes. Plenty of our customers have late payments in their history. Your application is reviewed by lenders based on your full situation.

Does recent history matter more?

Recent on-time payments and steady income can help. We make sure that part of your story is clear.

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All financing is subject to credit approval and lender terms.