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Gerald Kia of Naperville

Can You Finance a Car with No Credit?

woman relieved with new car with keys in hand
Financing a car with no credit or financing a car with bad credit can be difficult, but the team at Gerald Kia of Naperville is here to help! While it may be a bit more difficult, it’s certainly not impossible. Learn how to finance a car with help from our finance team today! We’ll help work with you to calculate a finance plan that’s right for your lifestyle and budget.

Financing with Bad or Even No Credit

Financing a car with no credit history can be tough, but it will help build you score so long as you make payments on time. Keep in mind that your down payment and interest rates will likely be higher. Keep your budget in mind, and prepare to negotiate!

Helpful tips when financing with no credit include:

  • Revive your credit score. If you have bad credit, it compounds over time. However, the same is true of good credit! Use your card for small charges you can immediately pay off, and you’ll have your score up in no time. Also, talk to our finance team who can help navigate bad credit car finance.
  • Ask questions and don’t assume you won’t be approved. Our finance team is happy to work with customers of all credit types near Aurora and Oswego! Be sure to ask questions and we’ll be happy to answer.
  • Know your budget and your credit score (if you have one). Multiple credit checks have the ability to negatively reflect on your score, so be sure to keep all of your loan applications within a 14-day period to limit the potential damage on your score.
  • Separate price negotiation from financing. The first offer isn’t the offer you need to go with! You may have the opportunity to consider offers from several lenders.
  • Leasing might be a better option. Lease offers tend to be more forgiving to those who want a new car, but have little to no credit history. It may also be a more cost-effective option in the long run, and also give you a better footing for a finance plan when your lease term is over.

Apply for a Loan at Gerald Kia of Naperville

At Gerald Kia of Naperville, we try and make everyone’s finance plan work out perfectly. Browse our selection of new Kia near Yorkville, and apply for finance today! We’ll get you behind the wheel of the car, crossover, or SUV you need at a price that works with your credit history.

Want to offset your costs? Learn how to trade-in your car with our team today!

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1661 Aurora Ave • Naperville, IL 60540

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Today's Hours:

Open Today! Sales: 9am-9pm

Open Today! Service: 7am-6pm

Open Today! Parts: 7am-6pm

Gerald Kia of Naperville 41.7652472, -88.1900288.