Bad credit happens to good people and we are here to help. No matter what stage of life you're in, the right tools and information help you make smarter financial decisions. We understand that everyone does not have perfect credit and our finance department at Jim Ellis Chevrolet has the tools to assist you in building credit responsibly. If you have poor credit or been through a bankruptcy, we believe that should not disqualify you from obtaining the vehicle of your dreams. 

People with subprime credit have options beyond the "Shop Here, Pay Here" options. We use a multi-pronged approach to identify the best path for your car loan approval on a vehicle that meets your current and future auto needs.

Want to calculate your payment, or budget for your next vehicle? Use these calculators to decide your next move.

 

Learn about the range of credit scores, and find out how it might impact your interest rates. Have a question about your credit score or your finance application? Please call one of our consultants at (678) 389-7882.

Foreclosure? Bankruptcy? Divorced? Repossession? Let us help you on your next vehicle purchase. 

There are several factors that will make up your car payment. They include the car price, trade-in and down payment, interest rate, and number of months financed. 

"Buy Here, Pay Here" lots usually have only older vehicles with higher mileage. You only have them as the lender and most don't report to the major credit bureaus and do not always help in rebuilding your credit. Jim Ellis Chevrolet accepts all credit situations including bankruptcy and no credit. They also have large third-party lenders that report to the major credit bureaus and help rebuild your credit. Purchasing at Jim Ellis Chevrolet gives you access to a wide selection of New and great quality Pre-Owned vehicles. We will also accept your trade-in vehicle which can save you time and money. While annual percentage rates will depend on your credit score, lenders interested in your loan will compete to gain your business. 

Depending on your credit score, income and down payment, we can help you find the maximum amount you can borrow on your loan. This value will determine how much Car you can afford. 

If you are planning on purchasing a vehicle from Jim Ellis Chevrolet, you will need the following documents: 

They include: Your Driver's License, Proof of Insurance, Form of Payment (check, debit card, cash), Recent Pay Stubs, Proof of Residence (at least one: phone, gas, electric, cable, bank statement), and A List of References 

Getting a car loan after bankruptcy, repossession, and late payments can be difficult, but not impossible. Working with a dealership like Jim Ellis Chevrolet, you may be able to finance a new or pre-owned vehicle sooner than you think.