Good Credit. Bad Credit. No Credit. We Finance.

First of all, you need to have a job that can be verified, and not be currently involved in a bankruptcy. You will need to present a valid driver’s license, your most recent paycheck stub, six references and a down payment. We value and respect your time, and with all these, you can drive away in about an hour. If you are not sure what does and does not qualify feel free to contact us, we are happy to answer any and all questions.

That depends on the price of the car and your unique situation. A more significant down payment will always improve your chances of obtaining approval sooner. Not only that but with a larger down payment your car payments will be lower, and you have the possibility of paying your vehicle off sooner rather than later, which would also help your credit score improve. If you are not sure about how much of a down payment you will need or what you can afford based on your monthly payments, give us a call and we will help you.

At John Gibson Auto Sales: Drive your chosen vehicle home the same day! We understand your eagerness to hit the road in your new car, and we’re committed to providing a seamless and efficient process. In most cases, we can make it happen, ensuring you can start enjoying your vehicle right away.

At John Gibson Auto Sales, we believe in providing financing options for all applicants, regardless of their credit history. Our comprehensive in-house process carefully considers your complete application and required documentation, allowing us to tailor a decision that perfectly fits your specific needs.

At John Gibson Auto Sales, we understand that everyone’s financial situation is unique. While we may consider factors such as credit history, our main focus is on your overall ability to make payments and your current financial stability. We believe in providing opportunities for individuals with various credit backgrounds, including those with less-than-perfect credit. Our goal is to find flexible financing solutions tailored to your specific needs, so you can drive away in the vehicle you desire. Visit us today and let us help you get on the road to car ownership, regardless of your credit history.

While it can seem like a never-ending cycle for people with no credit, poor credit or even bad credit, there is a way to improve your credit score. We can definitely help you establish or rebuild your credit as long as you meet your payment schedule. We report monthly to the Credit Bureau, and your repayment promptness is always noted.