Subprime Credit

Subprime Credit in Lakewood, FL

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Credit, credit, credit. You may be stressed when you hear that word come up, but the team here at Gettel Toyota of Lakewoodis ready to help. When you meet with our finance team, you’ll find all of our team members are ready to assist our customers with any credit situation they may be dealing with. We know that many of our guests are dealing with hardships that could possibly prevent them from purchasing a vehicle, but we’re here to help them achieve their ownership goals. Not only does our team have the experience to assist those with a wide range of credit histories, but we’re committed to endlessly working to find the right plan that fits our customers’ lifestyle needs.

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Debt

Prioritize which loans, cards and lines of credit are the most imperative and realistic to pay off within a set amount of time and avoid closing accounts. Limit credit card use. The ideal balance to credit utilization ratio is 30% or lower.

Foreclosure

You’ll want to keep your focus on the rebuilding of your credit and maintain the good standing of your current accounts. Keep your foreclosure isolated as a single negative item as if it were a mortgage account. This will be less damaging to your credit score.

Divorce

Pay your bills on time; make payment before or on the expected due date. Creditors report the account to the credit bureaus when a payment is 30 or more days late. Continue to establish credit history. Keep your accounts in good standing because this establishes trust with creditors and can only boost your credit score.

Bankruptcy & Unforeseen Bills

During bankruptcy, focus on rebuilding your credit by opening a credit card. Charge minimally and pay consistently. Open one to three accounts that will benefit your credit score. Communicate with your medical, financial institution and creditors. There are many programs that assist consumers, customers, patients and students with high bills and mountains of debt.

Let Us Help You Figure It Out

       

  •         Can I Get Approved for a Car Loan with Challenged Credit?
           

    Of course! Our sales team specializes in challenged credit scenarios and will work diligently to get you approved for an auto loan.

       

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  •         Can I Get Approved for a Car Loan with No Credit?
           

    Let’s start a conversation about your credit. While we can’t make any promises without looking at your credit history, number of accounts and more, we would love to talk about how to best get your finances in order so you can drive a new Toyota as soon as possible! Contact our team online or by calling us at (941) 417-8520.

       

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  •         I’m a First-Time Buyer. Can I Get Approved for a Car Loan?
           

    Absolutely — if you have established credit, our sales team is trained to approve car loans efficiently so our customers can drive off in their new vehicle without any hiccups. Whether you’re a first-time buyer or this is your fifth, we can help you secure the car loan you need!

       

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  •         I Just Started a New Job. Can I Get Approved for a Car?
           

    The answer is yes. All our sales specialists need from you is a pay stub, proof of income or job verification and we will work with you to get you approved for a car loan.

       

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  •         I Filed for Bankruptcy. Is My Credit Good Enough to Get Approved for a Car Loan?
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    You can! Even though bankruptcy can stay on your record for up to 10 years, you’ll still be able to get a car loan. What’s even better? A car loan can also help you restore and rebuild your credit.

       

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  •         Can I Get Approved for a Car Loan if I Am in Debt?
           

    No problem. We can get you approved for a car loan, regardless of whether you have a credit card, student loans or a home mortgage! We work with numerous financial institutions on a daily basis that understand high debt circumstances, so don’t give up hope. We’ll find a way to get you into your new car!

       

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  •         I Just Got Out of a Divorce. Am I Able to Get Approved for an Auto Loan?
           

    Separation of assets can have a negative effect on your credit score, but don’t let that stop you from getting behind the wheel of a new car! We understand that your credit can be negatively impacted when you go through a divorce, as this directly affects your current and future credit score. However, we can assist you in getting approved for an auto loan regardless of your past credit history.

       

Get Financing With Gettel Toyota Lakewood

If you want to learn more about dealing with your credit situation, contact us today or stop by our dealership at 5959 E State Rd 64, Bradenton, FL 34208. We look forward to serving our customers near Sarasota, Brandon and Ruskin.