Maintain Your Peace of Mind With Our 100% Online VIP Sales Experience.
Get Your New Car in 4 Easy Steps:
1. Choose Your Vehicle
2. Select Your Payment Options
3. Value Your Trade
4. Schedule Your Delivery

Young Man Using Cell Phone

Can You Finance a Car with No Credit?

If you have bad credit, it can feel like a new car is out of your reach. Actually, financing a car with bad credit or no credit is possible at many Fort Worth-area dealerships! Although you may need to spend more time applying for an auto loan, it’s likely that you’ll still receive multiple offers. Read below to explore bad credit car finance options with the finance department at Shottenkirk Toyota of Weatherford.



Tips for Financing a Car with No Credit or Bad Credit

What are your chances of approval if you haven’t yet begun to build credit? Financing a car with no credit can be even more difficult than with bad credit. Car finance options will be more limited either way, but that simply means you’ll need to take a few extra steps to get approved. Most importantly, set a realistic budget that reflects the added costs of financing a car with no credit, and stick to it. Whether you’re financing a car with bad credit or no credit, keep these tips in mind:

Don’t Assume You Won’t Be Approved 

Many Azle drivers who struggle with their credit opt not to apply because they assume they won’t be approved. In reality, you never know until you try — and many dealerships are willing to work with buyers who can prove their income. Keep asking questions, and see if you can work out a solution that both you and your dealership are happy with. 

Improve Your Credit Score if Possible 

You might be surprised by how much your score can improve when you clean up your credit report and take care of loose ends that may be dragging it down. Sometimes it’s as simple as paying off a couple of small debts that have gone to collections. If your score is close to the cutoff for a higher ranking category, it’s definitely worth the effort!

Apply for Loans the Smart Way 

Applying for loans can actually damage your credit score temporarily. We recommend completing all of your loan applications within a two-week period to prevent that lower score from hurting your chances of approval.

Don’t Accept the First Offer

Don’t make the mistake of assuming that financing a car with no credit means you’re lucky to receive just one offer. In all likelihood, you’ll have more than one offer to work with — so don’t take the first one until you’ve compared it to others!

Be Ready for Higher Costs 

Typically, financing a car with bad credit does mean that you’ll pay a larger down payment and higher interest rates. So, be sure to factor in those costs when calculating your monthly auto payments

Qualify for an Auto Loan in Weatherford 

At Shottenkirk Toyota of Weatherford, our friendly auto finance experts are here to find a financing solution that works for you — no matter your credit score! Explore current new vehicle specials, leasing options, and more when you visit us near Mineral Wells. Contact us today to speak with an auto finance expert.

More from Shottenkirk Toyota of Weatherford

  • 2021 Toyota Corolla MPG

    What is the MPG of a Toyota Corolla? The 2021 edition reaches up to 53 mpg city and 52 mpg highway* with the Corolla Hybrid LE trim. This fuel-efficient sedan offers strong efficiency numbers throughout its lineup. Find more 2021 Toyota Corolla EPA ratings today at Shottenkirk Toyota of Weatherford near Azle. New Corolla for Sale Contact Us…

  • 2021 Toyota Camry MPG Ratings

      The Toyota Camry is back and more fuel-efficient than ever before. The Toyota Camry mpg ratings allow Fort Worth drivers to get up to 28 mpg city and 39 mpg highway. And that’s just on the gas-powered models. The Toyota Camry Hybrid mpg ratings are even more impressive. Check out the 2021 Toyota Camry fuel…

  • 2021 Toyota Camry Interior

      The Toyota Camry 2021 interior offers Fort Worth drivers plenty of features and amenities to make every drive more enjoyable and comfortable. If you’re curious about what lies inside the cabin, then take a look at the 2021 Camry interior with Shottenkirk Toyota of Weatherford. Then, feel free to visit our dealership to explore the Toyota Camry inside…

Saved Vehicles


You don't have any saved vehicles!

Look for this link on your favorites:


Once you've saved some vehicles, you can view them here at any time.

Contact Us


Call Now

3131 Fort Worth Hwy • Weatherford, TX 76087

Get Directions

Today's Hours:

Open Today! Sales: 9am-7pm

Open Today! Service: 7am-5pm

Open Today! Parts: 7am-5pm

Shottenkirk Toyota of Weatherford 32.758058, -97.700117.