Don’t let bad credit stand in the way of getting the auto loan you need!

The Finance Department at Mackey Automotive can help even if you have:

Limited funds for a down payment

Lower monthly income

Low credit score

No credit history

Prior repossession

Fixed Income

Unemployment Income

Multiple open autos on bureau

Self Employment

Chapter 7 Bankruptcy

Chapter 13 Bankruptcy (with court/trustee approval)

.

At Mackey Automotive, our customers are more than just a credit score. Our experienced team knows that life happens, and we refuse to let problems in the past stand in the way of your used car purchase.

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Bad Credit Auto Loan

If you are struggling with Bad Credit and need an auto loan, Mackey Automotive can help you secure financing. We stock a large selection of pre-owned vehicles from a variety of auto brands. You can browse our inventory and get your approval started online today!

At Mackey Automotive in Round Lake, New York, we think that regardless of credit history, everyone should have the opportunity to own a dependable car. Our team specializes in bad credit auto loans, offering flexible financing options to help you get behind the wheel of a dependable car—whether you’re starting from scratch or have had financial difficulties in the past.

1. Specialized in Bad Credit Financing: At Mackey Automotive, we recognize that unforeseen events can occur in life and that your credit score may not always fairly represent your financial standing. We have a reputation for assisting clients who have poor credit, no credit, or previous bankruptcies in obtaining auto loans because of this. We can find a loan option that works for you regardless of your credit score thanks to our connections with a network of lenders that specialize in financing for people with bad credit.
2. Simple and Stress-Free Loan Process: Our goal is to simplify and alleviate any stress associated with the loan application process. You can apply online and get pre-approved for an auto loan from the comfort of your home using our website’s simple application. You will be guided through every step by our knowledgeable finance team, who will make sure you comprehend the conditions of your loan, interest rates, and payment schedule. Our dedication to openness and ensuring your confidence in your financing choice is evident.
3. Flexible Terms and Affordable Payments: Is it possible for someone with bad credit to make monthly payments? This is one of their main concerns. At Mackey Automotive, we put a lot of effort into designing financing packages with terms that work for you. We provide flexible payment plans to meet your needs because we recognize that every person’s financial situation is different. We’ll customize your loan to make it affordable, whether that means a smaller down payment, longer loan terms, or reduced interest rates.
4. Improve Your Credit Over Time: You can repair your credit in addition to getting the car you require by obtaining an auto loan from Mackey Automotive. Regularly paying your auto loan on time will help you raise your credit score over time, which will eventually lead to better financial opportunities. You’ll get closer to financial independence and stability with each payment.
5. Wide Selection of Quality Vehicles: We think you shouldn’t have to settle for a poor-quality car just because you have bad credit. We have a wide range of used cars, trucks, and SUVs from reputable manufacturers at Mackey Automotive. Each car on our lot is put through a thorough inspection to make sure it lives up to our high standards. We have options to fit your needs and budget, whether you’re searching for a reliable truck, a family-friendly SUV, or a fuel-efficient sedan.

The process of applying for an auto loan at Mackey Automotive with bad credit is simple. The following will be necessary:

• Proof of Income: To demonstrate your ability to repay the loan, we’ll need to see recent pay stubs or bank statements.
• Proof of Residence: A utility bill or lease agreement that verifies your current address.
• Valid Identification: A state-issued ID or driver’s license is required.
• Down Payment: While we offer flexible down payment options, having a down payment can improve your chances of securing better loan terms.

Our mission at Mackey Automotive is to establish enduring relationships with our clients. Our commitment is to deliver outstanding customer service, address any inquiries you may have regarding the loan procedure, and ensure that your choice of financing is one you are happy with. Our staff is available to assist you at every turn, making sure you have access to all the data required to make an educated decision.

Mackey Automotive can assist you if you’re looking for a bad credit auto loan in Round Lake, New York. We believe that you should be able to own a dependable car regardless of your credit score, and our team is dedicated to assisting you in locating the best financing option for your circumstances. To get started, stop by our office today or complete our online application. Allow us to demonstrate to you how simple it is to get a car loan for bad credit and drive away in a high-quality vehicle.

We at Mackey Automotive think that everyone should have the chance to own a reliable vehicle, which is why we support second chances!