Financing with a Low Credit Score

Low Credit Score Financing

No one needs to tell you that the economy since 2008 has been rough to say the least. We're coming back as a country but many Americans, to include folks living in Fort Myers, Naples, Cape Coral, Florida, have taken financial hits during this period and it has affected their credit. Periods of unemployment, uninsured medical expenses, divorces even bankruptcies are more common than you might think.

We understand that. The finance team at Naples Nissan has one goal: to help you get the financing you need to purchase your next vehicle.

We've helped customers from Fort Myers down to Naples with no credit or a low credit score find a way to finance a new or used vehicle or get approved for a lease. We work with over 20 lending sources and our commitment is to find you financing that fits your financial situation. Something that allows you to purchase the vehicle you want and also fits your limited budget.

Options for buyers with less than perfect credit or other financial challenges

Reliable transportation is an absolute necessity given the lack of real mass transit available in the area. Having less than perfect credit, or a shortfall for a down payment or a tight monthly cash flow can be challenges when trying to acquire a new vehicle. We know that and our friendly finance staff can help shape a finance plan that can get you into a vehicle that meets your needs.

If you don't have the cash for a down payment or you have a trade in that you think isn't worth much there are a couple of things we can help with. First we'll look at your trade. Thanks to our volume we can often offer a significantly higher value than Kelly Blue Book even if you think of your trade as a clunker. That alone could get you the down you need.

If you still fall short, consider leasing. Leasing requires far less cash now, gives you a lower tax charge and can be set up with monthly payments that fit your budget. In fact we'll buy your trade which may cover your cash requirements at time of leasing meaning you drive off with no out of pocket expense.

No Credit or a Low Credit Score

If your credit history is nonexistent or not very healthy you might want to consider one of our many pre-owned vehicles. Our wholesale used car operation offers a tremendous selection of vehicles that are not subject to the same credit requirements as new inventory. Pre-owned cars can be exceptional values allowing you to finance much more car than if you were buying new.

The best way to determine how much financing is available to you is to apply online at our Finance Center. Our finance team will work hard to find you the best deal on a Pre-Approved loan that will give you a solid number to work with when perusing our inventory.

We've helped customers from all over the region including Cape Coral and Bonita Springs. If you have any questions about the financing process please feel free to contact our finance department who will be delighted to answer your questions and help you get the financing you need.

Contact Us

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Naples Nissan
3640 Pine Ridge Road, Naples, FL 34109
Sales 855-638-2438
Service 855-638-2443
Parts 855-638-2471

Sales
Day Open Closed
Monday 9:00AM 8:00PM
Tuesday 9:00AM 8:00PM
Wednesday 9:00AM 8:00PM
Thursday 9:00AM 8:00PM
Friday 9:00AM 8:00PM
Saturday 9:00AM 7:00PM
Sunday 11:00AM 6:00PM
Service
Day Open Closed
Monday 6:30AM 5:30PM
Tuesday 6:30AM 5:30PM
Wednesday 6:30AM 5:30PM
Thursday 6:30AM 5:30PM
Friday 6:30AM 5:30PM
Saturday 7:00AM 3:00PM
Sunday Closed Closed
Parts
Day Open Closed
Monday 6:30AM 5:30PM
Tuesday 6:30AM 5:30PM
Wednesday 6:30AM 5:30PM
Thursday 6:30AM 5:30PM
Friday 6:30AM 5:30PM
Saturday 7:00AM 3:00PM
Sunday Closed Closed