Subprime Credit Car Loans near Me
Having a less-than-perfect credit score shouldn't prevent you from finding a model that can upgrade your lifestyle by making it easier. At Commonwealth Dodge, serving Louisville and Crestwood, Kentucky, we support this statement and offer special financing options for drivers looking for “subprime credit car loans near me.” Keep reading if this fits your current driving and credit situation.
How to Improve Your Credit Score
Improving your credit score might seem complex, but it’s entirely achievable with the right steps. Start by checking your credit report for any errors—you can request one free report annually from each of the three major credit bureaus. Correcting mistakes on your report can quickly boost your score.
Next, focus on paying your bills on time. This includes loans, utilities, credit cards, and even medical bills. Setting up automatic payments can help ensure nothing slips through the cracks. Another effective strategy is reducing your credit utilization ratio (the amount you owe compared to your credit limit). For the best results, aim to keep it below 30%.
Explore Our Finance Tools
At our finance center, we make financing simple with our easy-to-use online tools:
- Online Credit Application: One helpful feature is our Online Credit Application. You fill in your basic information, including income and employment details. Then, you apply securely from your computer or phone. Once we receive your application, our team will review it and connect you with financing options that suit your needs. The best part? You can complete this step from home, saving time and streamlining the process.
- Payment Calculator: You can also use our Payment Calculator to get a better idea of how much a car might cost you each month. Enter the vehicle price, down payment, loan term, and interest rate. The tool will estimate your monthly payment so you can plan ahead. It’s quick; you don’t need to create an account or enter personal info.
- Value Your Trade: The Value Your Trade tool helps you determine what your current car is worth. Just share some basic details—like the year, make, model, and condition—and you’ll get a value range right away. It’s useful if you’re trading in your vehicle and want to apply that amount toward something new or used.
You can also talk to our team and tell them about your unique case and needs so they can craft a finance plan tailored to your preferences.
Discover DrivePlus Mastercard
The DrivePlus Mastercard is a credit card you can use anywhere, but it gives you specific benefits at the dealership. When you use the card at our finance center, you can earn cashback in rewards on dealership purchases. That includes service visits, parts, and accessories. You can then use those rewards for future purchases.
You can also get special financing on purchases of $499 or more. This can help if you need to cover a big repair or upgrade but want to break it into payments. There’s no annual fee, and the application takes just a few minutes online.
Navigate Our Specials Section
If you’re looking for great deals, don’t miss our Specials section. You’ll find updated offers on new and pre-owned vehicles, making finding something reliable within your budget easier. These offers include discounted prices, low APR financing, and other options to help you save money upfront or over time. Some offers are only available for a short period, so it’s worth checking back often.
We also offer Service & Parts Specials to help you take care of your vehicle without spending more than you need to. These change throughout the year, but you’ll often find deals like oil change discounts, brake service offers, battery checks, and tire rebates. If your vehicle needs routine maintenance or repair work, this is a simple way to cut down on the cost.
You can check the current offers online and even schedule service from the same page. It’s straightforward; you don’t have to sign up or log in to see what’s available.
Navigate Our Manufacturer Specials
The Manufacturer Specials page lists current offers from Dodge, Chrysler, Jeep, and Ram. These can include things like cash back, low APR rates, or lease deals. Each offer is different, so it’s worth checking regularly if you're thinking about getting a vehicle soon.
These deals can save you money right away or over time, depending on how they’re set up. Some apply only to certain models or trims, so be sure to read the details. If you’re not sure what fits your situation, you can ask someone on the sales team to walk you through it.
Contact Us to Learn More
Subprime credit car loans near Louisville and Crestwood, KY, are within reach at Commonwealth Dodge. With a dedicated team, flexible financing options, and a commitment to serving our community, we’re here to help you navigate the car-buying process confidently. Contact us to explore our inventory and finance tools. Let us help you find a vehicle that fits your budget—because everyone deserves a chance to drive a car they love.