Challenged Credit Financing Solutions in RI, Warwick

Where Can I Find a Bad Credit Car Loan in RI?


Are you in the market for a new car or high-quality used car, but you’re having trouble getting approved for an auto loan in Warwick? You’ve come to the right website, as our Nissan dealership in Warwick works with a wide spectrum of credit histories, providing help to even those with bad or no credit.

At Balise Nissan of Warwick, we have compassion for those with less-than-perfect credit, and we know how crucial it is to have a vehicle that you can rely on. Not only do we work with drivers from all over Providence, Cranston, Pawtucket, Coventry, RI and North Attleborough, MA, but we also have extensive experience working with all credit types. We offer car loans with good terms and reasonable rates, and our professional financial consultants will go over every step of the financing process upfront so there are no surprises.

We also make it easier to invest in the pre-owned car, truck, van or SUV that you need with our bargain inventory. These are reliable, well-maintained used vehicles priced under $15,000. These are not only vehicles that you can afford to drive but that you genuinely want to drive.

 

Dealing with bad credit can feel like the end of the world, but at Balise Nissan of Warwick, we want to prove to you that breaking free from financial hardship might be simpler than you realize. While having bad credit can make it difficult to take out loans for the things you need in life, our expert financial advisors will be able to assist you in finding an auto loan that works for your unique situation. With consistent payments, you’ll quickly begin to see your credit score rise, and your life take a step in the right direction. So, are you ready to get your credit rating back on the right track so you can live the life you want? Then schedule an appointment with our financial experts today!

 

Bad Credit Causes

There are many reasons why people have bad credit, but there are a few we see among our customers at Balise Nissan of Warwick more than others. To learn more, check out the list below.

Late or Slow Payments

Missing a payment or two won’t have any lasting impact on your credit so long as you don’t make a habit out of it. With that being said, if you’ve missed several of them, this can really hurt your credit score. If you’re having a difficult time making payments on time, our financial services team can help you navigate some possible solutions.

Losing Your Home to Foreclosure

The feeling of losing your home to foreclosure is impossible to put into words. Due to the economic state of the world today, many people in Rhode Island have experienced this and feel like they have nowhere to turn because their credit has taken a such a massive blow. Luckily, our Balise Nissan of Warwick financial team will be able to help you find an auto loan that will serve to improve your credit.

Going Through a Divorce

Securing an auto loan after a divorce can be a challenge, but we are here to help you find one regardless!

First-Time Car Buyers

Our dedicated team of financial professionals specialize in helping first-time car buyers secure their first auto loan. If you’re looking for a place to get started, there’s no better place than Balise Nissan of Warwick!

Filing for Bankruptcy

Many people in the Warwick area have filed for bankruptcy to get a fresh start financially; however, they have likely experienced a massive drop in their credit score as a result. To help those who have declared bankruptcy get back on their feet, Balise Nissan of Warwick is here to help!

 

The FAQs about Bad Credit Car Loans

Below, you’ll find some important facts to consider when weighing your financing options. Value your trade while you read up on the important facts.


 
Can I get a car loan with bad credit?
In short, yes! Even if you’ve had trouble securing an auto loan in the past, our finance team works with a variety of lenders in order to pair you with a car loan that complements your unique financial situation.

Will buying a car hurt my credit?
Actually, a car loan will help rebuild poor credit, so opting for an auto loan now can help you secure a better rate in the future as well.
Will my interest rate be higher with bad credit?
Not necessarily. We work with many banks and credit unions to get our customers the best, most reasonable rate as possible.

I’ve never had credit before. Can I get pre-approved?
Yes, we can work with first time buyers. You can even start the pre-approval process from home using our secure financing application, accessible via our website. However, since you’re new to the financing process, you might want to visit the dealership so that our finance team can help you complete the paperwork.

Can I use my trade-in as a down payment?
Yes, you can. Using your current car as a trade-in is a great way to lower your down payment. You may need to put down additional money if there’s a lien on the vehicle that you’re trading in. Our sales consultants can help you determine how to get the most out of your trade-in value.

What will my new monthly payments be?
This depends on a variety of factors. Monthly payments are based on your credit profile as well as the price of the vehicle you’re buying. For instance, newer cars with lower mileage qualify for extended terms. To help you narrow down your used-car search, you can also receive an instant estimate of your monthly payments using our payment calculator.

What are the next steps?
Simply fill out a finance application from the comfort of home. Once we receive your information via this encrypted form, one of our financial consultants will reach out to your with the next steps. Need assistance completing the form? Feel free to reach out to us at 888-462-0145 for visit our facility at 1350 Post Road in Warwick for one-on-one assistance.

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401-352-5908

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1350 Post Road • Warwick, RI 02888

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Today's Hours:

Open Today! Sales: 8:30am-6pm

Open Today! Service: 7:30am-4pm

Open Today! Parts: 7:30am-4pm

Balise Nissan of Warwick 41.7428442, -71.4287304.