Yes, it may be possible to buy a vehicle even if your credit isn't perfect.

If you've had late payments, collections, a repossession, bankruptcy, limited credit history or other credit challenges, you may assume getting another auto loan is impossible.

Don't make that decision for the lender.

Performance Kia in Moosic works with customers from Scranton, Wilkes-Barre and throughout Northeastern Pennsylvania with many different credit backgrounds. Our goal is to help you understand your options and determine what may be possible based on your individual situation.

READY TO SEE WHAT YOUR OPTIONS MAY BE?

Financing is subject to lender approval and applicable terms.

What Credit Score Do I Need to Buy a Car?

There isn't one credit score that automatically determines whether every customer can or cannot finance a vehicle. Lenders can consider several factors, including:

• Credit history
• Income
• Employment
• Existing debt
• Down payment
• Trade-in equity
• Vehicle being financed
• Amount being financed
• Previous auto-loan history

That means two customers with similar credit scores could receive different financing decisions.

Instead of assuming your credit score tells the entire story, the better first step is finding out what options may actually be available.

READY FOR A FRESH START?

Can I Get a Car Loan With Bad Credit?

Potentially, yes.

Having credit challenges does not necessarily mean you cannot finance another vehicle. Performance Kia works with customers across a range of credit situations and can submit applications to lenders based on the customer’s individual circumstances.

The important thing is to look at your entire financial picture, rather than focusing only on a credit score.

What If I've Been Turned Down Somewhere Else?

Being declined by one lender or dealership doesn't necessarily tell you what every lender will decide.

Different lenders can have different guidelines, and the vehicle, loan amount, down payment, income and other factors can affect an approval decision.

If you've already been turned down elsewhere, tell our team what happened. That information may help us better understand your situation before exploring the available options.

What Is Performance Kia's Fresh Start Program?

Performance Kia's Fresh Start Program is designed to help drivers with credit challenges explore their vehicle-financing options.

You may have experienced: Late payments • Collections • Repossession • Bankruptcy • Limited credit • Previous financing difficulties

The goal isn't to judge how you got there. It's to determine where you are today and what options may be available moving forward.

Can I Finance a Car After Bankruptcy or Repossession?

Potentially.

A previous bankruptcy or repossession does not automatically mean you’ll never be able to finance another vehicle.

The circumstances, how much time has passed, your current financial situation and lender requirements can all matter.

Rather than assuming the answer is no, consider completing an application and allowing the financing team to review your current situation.

Does a Down Payment Help With Bad Credit?

It can.

A down payment reduces the amount that needs to be financed and may affect the structure of a potential loan.

But don't automatically assume you need thousands of dollars before talking to us.

Depending on the customer, vehicle and lender, different options may be available.

Can My Trade-In Help Me Get Approved?

Your trade can be an important part of the transaction.

If your current vehicle is worth more than you owe, you may have positive equity that can potentially be applied toward your next vehicle.

If you still owe money—or even owe more than the vehicle is worth—that doesn't automatically mean you can't trade it.

Performance Kia can appraise your vehicle and help you understand your equity position.

FIND OUT WHAT YOUR CURRENT VEHICLE MAY BE WORTH

Should I Shop for a Car Before Applying for Financing?

You can certainly look at vehicles, but with credit challenges it can be helpful to understand your financing position early in the process.

Instead of falling in love with a vehicle that doesn't fit the eventual financing structure, Performance Kia can help determine what options make sense and then help you find vehicles that fit those parameters.

Will Applying for Auto Financing Hurt My Credit?

If you're concerned about your credit, you can start by exploring your pre-qualification options with Performance Kia. Instead of guessing what may be available, take the first step and see what options may fit your situation.

WORRIED ABOUT YOUR CREDIT? START HERE.

See what financing options may be available instead of guessing.

What Kind of Vehicle Can I Get With Bad Credit?

There isn't one specific category of vehicle that every customer with credit challenges must buy.

Available options depend on the financing approval, vehicle price, down payment or trade equity, loan structure and lender requirements.

Performance Kia carries both new Kia models and pre-owned cars, trucks and SUVs, giving our team different possibilities to explore.

How Can I Improve My Chances of Getting Approved?

Come prepared.

• Valid driver's license
• Current address information
• Employment information
• Income information
• Down-payment information, if applicable
• Information about your current vehicle and loan, if you’re trading

Most importantly, be accurate on the application. The finance team needs correct information to determine which options may fit your situation.

Bad Credit Car Financing Near Scranton & Wilkes-Barre

Performance Kia is located at 4225 Birney Ave. in Moosic, PA, between the Scranton and Wilkes-Barre areas.

We work with drivers throughout Scranton, Wilkes-Barre, Moosic, Pittston, Dunmore, Clarks Summit, Old Forge, Taylor and surrounding Northeastern Pennsylvania communities.

If credit problems have kept you from shopping for another vehicle, don't automatically assume you have no options.

Start With the Next Step

You don't need to know which vehicle you're buying yet. You don't need perfect credit. And you don't need to guess whether financing is possible.

Give Performance Kia the opportunity to look at your situation.

Frequently Asked Questions

Can I buy a car with bad credit in Scranton, PA?

Potentially. Performance Kia works with customers with a variety of credit backgrounds. Approval and terms depend on the lender and the customer’s individual circumstances.

What credit score does Performance Kia require?

There isn't necessarily one credit score that determines every financing decision. Lenders may consider credit history, income, debt, down payment, vehicle choice and other factors.

Can I get financing after a repossession?

Potentially. A previous repossession does not automatically determine the outcome of a new application. Current circumstances and lender requirements matter.

Can I finance a vehicle after bankruptcy?

Potentially. Financing options depend on the individual situation, timing, lender requirements and other factors.

Can I trade my current vehicle if I have bad credit?

Yes, your vehicle can still be appraised regardless of your credit history. Financing for the next vehicle is a separate decision subject to lender approval.

What if I owe money on my trade?

Performance Kia can obtain your payoff and compare it with your vehicle's appraised value to determine whether you have positive or negative equity.

Where is Performance Kia?

Performance Kia is located at 4225 Birney Ave., Moosic, PA 18507, serving Scranton, Wilkes-Barre and communities throughout Northeastern Pennsylvania.