Bad credit rating? No credit rating? You can still finance a new or used car at Freysinger Hyundai.

Need a new car but worried about whether or not you qualify for financing because of a bad credit rating or a poor credit history? At Freysinger Hyundai, we believe everyone should have the opportunity to purchase the car they need, so we specialize in helping car buyers with less than perfect credit find a way to buy the car they want - whether it's for getting back and forth to work or ferrying your children to school, doctor appointments and visits with friends and family.  If you are at all unsure about your credit score, we encourage you to fill out our simple per-qualifying form below.

Start Repairing Your Credit Now with an Affordable Car Loan through our Mechanicsburg Dealership

Getting a new car loan and then staying current on the monthly payments is one of the best ways to rebuild your credit rating. Here are some guidelines to keep in mind before you visit the dealership.

  • Know what you can afford. Before you come in, sit down and take a look at your monthly income and monthly expenses, and see how much you can realistically set aside to cover a monthly car payment. Once you have that figure in mind, you can begin to shop for a car that fits your budget. You can even pre-qualify yourself online, so you'll have an idea of how much credit is potentially available to you and how the terms will look.
  • Do your homework on which cars would make sense. If you do have spotty, bad or even no credit, you do need to have realistic expectations about how much car you can afford. However, don't rule out buying a new car, for example. Great deals are available on base models of cars like the Hyundai Accent and Elantra, for example. Use the screening tools on the new inventory page or used inventory page to narrow your search by price or monthly payment.
  • Come prepared with the right information. Once you're completed the pre-qualification and narrowed your search to a handful of cars that fit your budget, it's time to visit our dealership. If you're coming in with a questionable credit history, bring some supporting documents that will support your case as a good candidate for financing. You'll want to have your most recent pay stub, a copy of a utility bill (gas, water or electric), your driver license and three personal references who are willing to vouch for your character and reliability.

Freysinger Hyundai understands no one is perfect. We're committed to working with all types of car buyers, and we believe that owning a car can be a great path back to good credit for anyone who has experienced problems in the past. We're looking forward to working with you to get you into a car that makes sense for you and your particular situation.

Frequently Asked Questions

  • Can I get a car loan with bad credit?
    • At Freysinger, the answer is YES!
  • Will buying a car right now hurt my credit?
    • By financing the purchase of a new or used car and staying current on your monthly payments, you can actually begin rebuilding poor credit and improving your overall credit rating.
  • Will my interest rate be higher with bad credit?
    • Freysinger works with many banks and credit unions to ensure we can get you the best, most reasonable interest rate possible.
  • Can I get a car loan for a used car?
    • Freysinger arranges financing for all types of cars, trucks and SUVs, both new and used.
  • How do I get started?
    • Just fill out our online pre-qualifying form on this page!