Bad credit and no credit situations can be an intimidating barrier to vehicle ownership, but what if these hurdles didn’t have to stand between you and a quality pre-owned vehicle? At Matthews Motors of Clayton, they don’t. With us, you can find used cars and get a loan, even with bad credit or no credit.
Your Credit Rating Doesn’t Dictate Your Car-Buying Experience
We’re a car dealership in Clayton that believes in offering an enjoyable, stress-free buying experience, irrespective of credit score. Everyone deserves to be able to look through car sales of used cars and find something that works for them.
Our dedicated used car dealership in Clayton, NC, provides specialized financing packages designed to not only get you behind the wheel, but also establish (or re-establish) your credit with leading credit reporting agencies.
A Transparent Sub-Prime Financing Approach
The sub-prime financing process at Matthews Motors of Clayton is transparent and designed to help you get the car you need, so while your credit score is a component, it isn’t the sole determinant. Our comprehensive approach considers various aspects of your situation, including your:
- Entire credit history
- Debt-to-income ratio
- Down payment
- Desired used car type
- Vehicle trade-in
- Overall loan amount
Are you facing financial challenges like bankruptcy, foreclosure, or divorce? Are you looking for used car lots near you, but sure that even if you find something you like, you won’t be able to finance it? At Matthews Motors of Clayton, we’ve curated financing packages with all these scenarios in mind.
How to Apply for Bad Credit Car Loans in Clayton, NC
For those eager to explore their options, we simplify the process. You can go at it from either direction. You can find used cars that appeal to you and then apply for financing; or, you can apply first and then look at car sales of used cars, knowing exactly what loan size you can get.
Either way, getting a loan starts with filling out a secure used car loan application on our website. Once the application is submitted, our finance team reviews it, and we’ll contact you promptly to discuss your needs and loan possibilities in depth.
Getting Quality Used Cars
Our inventory is vast and varied, from late-model used cars and SUVs to pickup trucks. Our pre-owned selection is also of the highest quality. We don’t resell a trade-in unless it meets our standards.
We’re unique among used car lots as the home of the lifetime powertrain warranty. That means nearly all our cars get backed up with our guarantee that the engine and transmission will perform for a lifetime.
A Used Car Dealership in Clayton You Can Trust
Are you looking to rebuild your credit or simply get a bad credit/no credit loan you can afford for a vehicle you really want? Come see us at Matthews Motors Clayton today.