Credit Challenged
Find Your Dream Car Regardless of Your Credit
Here at Courtesy Kia, we are proud to work with all types of drivers -- from those who are brand-new to the purchasing process, to experienced drivers and everyone in between. However, one of the main concerns some drivers have is with their credit score. There is a common belief that if you don't have a stellar credit history, you won't be able to buy a car. At our dealership, not only do we work with folks from all credit backgrounds, but we are proud to do so. We know that financing a car can be stressful in general. That is why we are here to work with you every step of the way, so you feel comfortable, confident, and in control throughout the duration of your driving experience.
How We Can Get You a Loan
Here at Courtesy Kia, we have a proud history of working with all types of drivers, regardless of their credit background. How are we able to get you a loan, though? Put simply, we work within a network of banks that are generally specialized and smaller. We work with them to help craft a financing plan that fits within your budget and takes into account the totality of you as a person, not just the numbers on your credit score.
Tips To Consider
While we work with drivers from all credit backgrounds, including folks with poor credit, there are some tips we offer to those who wish to further bolster their financial standing.
Bring a Down Payment
While we do not require a down payment when you invest in a vehicle, bringing one can give you a host of advantages. Most importantly, it reduces the cost that you have to finance. This helps reduce your monthly payments and affects a variety of other factors, too. Additionally, bringing a down payment shows you are serious about your investment. It shows you are ready to put skin in the game.
Find the Vehicle You Need
We know that there are a lot of alluring cars out there. If you are looking for a model to invest in, it can be tempting to opt for something you want, something that perhaps offers a more stylish aesthetic or cutting-edge featyres, than something more practical. However, it's important to consider what your budget can allow for. If luxury is out of reach, practical is not a bad consideration.
Budget Beforehand
Knowledge is power, and knowing what your budget looks like before you shop for a car can be a difference maker. Not only can it help you refine your search to a few vehicles, but it also gives you some bumpers to work within. It also gives our financing team more insight into what an idea monthly payment and loan situation may look like.
Ready To Learn More?
If you would like to learn more about financing, or about applying for a car loan when you have bad credit, our team will be here to assist you! At Courtesy Kia in Altoona, PA we pride ourselves on delivering stunning customer service and a memorable dealership experience.
Visit us today and we can answer any questions you may have.
We are proud to serve drivers in Bellwood, Duncansville, Johnstown, PA; and State College.
| Monday | 9:00AM - 9:00PM |
| Tuesday | 9:00AM - 9:00PM |
| Wednesday | 9:00AM - 9:00PM |
| Thursday | 9:00AM - 9:00PM |
| Friday | 9:00AM - 9:00PM |
| Saturday | 9:00AM - 6:00PM |
| Sunday | Closed |
| Monday | 8:00AM - 5:00PM |
| Tuesday | 8:00AM - 5:00PM |
| Wednesday | 8:00AM - 5:00PM |
| Thursday | 8:00AM - 5:00PM |
| Friday | 8:00AM - 5:00PM |
| Saturday | Closed |
| Sunday | Closed |
| Monday | 8:00AM - 5:00PM |
| Tuesday | 8:00AM - 5:00PM |
| Wednesday | 8:00AM - 5:00PM |
| Thursday | 8:00AM - 5:00PM |
| Friday | 8:00AM - 5:00PM |
| Saturday | Closed |
| Sunday | Closed |
Warranties include 10-year/100,000-mile powertrain and 5-year/60,000-mile basic. All warranties and roadside assistance are limited. See retailer for warranty details.