Bad Credit

DCH Kay Honda Can Help With Poor Credit Financing

My name is Armando Lopez, and I am the Finance Manager here at DCH Kay Honda. I’m here to make your buying experience stress-free and memorable. At DCH Kay Honda, we understand that life can throw you curveballs, but that doesn’t mean you don’t deserve to drive a safe, reliable vehicle from a great brand and a reputable dealer. Regardless of your credit situation, I’m here to help you find the car that’s right for you and your budget! No matter where you’ve been or what you’ve tried, let me give it a shot! Tax ID and ITIN #’s Accepted.

You won’t be disappointed.

I speak Spanish, too!

No Credit or Have a Previous Repossession?

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DCH Kay Honda: Poor Credit Car Dealership

At DCH Kay Honda, Red Bank shoppers with less than perfect credit often ask if they can still get the affordable used or luxury new vehicle they need to make their commute more enjoyable. Yes, absolutely! DCH Kay Honda is your local bad credit car dealer that helps drivers like yourself get the car you need at a price that stays within your budget.

We know how stressful finding a quality used car can get, and that’s why we work hard to alleviate that stress and help you find your next vehicle. We have a wide range of quality used vehicles for every type of driver and budget and a great selection of vehicles priced under 15k.

Learn more about our poor credit car dealership below, or contact our finance team if you have any questions about bad credit financing.

How Do You Finance a Car with Bad Credit?

We know that not every shopper is the same, and even if you have poor credit, we can help! You can still get the new or used Honda vehicle you need when you visit a poor credit car dealership like DCH Kay Honda. All you need to do to get started is fill out our easy online finance application from your Freehold home, then follow the instructions below to begin gathering the necessary information and documents:

  • Determine how much you can afford to pay. Create a realistic budget for how much you can afford each month. Consider other expenses like annual registration fees, car insurance, maintenance costs, and fuel costs.
  • Make a larger down payment if possible. A larger down payment shows lenders you’re more favorable as a borrower – even if you have poor credit. Plus, a larger down payment means you’ll have a smaller loan balance to pay off, leading to less interest being paid overall.
  • Try to clean up your credit report before applying for a loan. Look over your credit report to spot any errors and to check if there’s a small loan or payment you can pay off right away to improve your credit score. Even small improvements to your credit score show lenders that you are a favorable borrower.
  • Be honest about what kind of car you should buy. If you need a new vehicle, focus on vehicles that fit your budget and needs – not necessarily what you desire in your next car.
  • Shop around with lenders. Don’t just choose the first lender that approves your application. Applying to multiple lenders allows you to compare their rates and choose the one that best fits your needs. Just close out your applications within 14 days to avoid a negative impact on your credit score.

When you can secure car financing, and you begin to make your payments, your credit score will slowly improve. As you keep making on-time payments, your credit profile will continue to improve, and you may be able to refinance your loan at a lower rate later on.

Visit Our Bad Credit Car Dealership

Don’t let having a bad credit score, or no credit, keep you from getting the new or affordable used vehicle that you need from us at DCH Kay Honda. Visit our Eatontown showroom and discuss your financing needs with us — we’ll also buy your car! It’s our goal to help you get a great vehicle at an excellent price, no matter what your credit history looks like. Contact us today! It won’t be long before you’re driving through Tinton Falls in your next vehicle.

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200 NJ-36, Eatontown, NJ, 07724
DCH Kay Honda 40.291606, -74.044206.