Credit Reporting

We report all payments to help you rebuild your credit.

At Advantage Car & Credit, we believe that everyone deserves to get behind the wheel of their dream vehicle, which is why we specialize in assisting customers with less-than-perfect credit or even no credit at all. We report our customers’ payment histories to all three credit agencies to assist them in rebuilding or establishing their credit.

So by making payments on time, not only can you drive a vehicle that you love but you can also improve your financial future while you’re at it!


The answer is YES, or YES IF. You don't need perfect credit to finance through Advantage Car & Credit. All of our experienced customer advocates know that good people just like you have credit ratings of all shapes and sizes. We believe that everyone deserves to drive a beautiful and reliable vehicle, regardless of their credit history, and we work hard to approve our customers so that can be the case.

Start by filling out and submitting our online application. You can also call or stop in at the dealership and someone will gladly work with you to start or complete your application.

We will consider approvals based on several factors like: time on the job, ties to the area, your monthly income and expense, ability to pay, explanation of credit history, and the honesty and accuracy of the information you give us. To get started, you will need:

  • A valid state or government-issued ID card or current passport. For example, a valid state driver’s license.
  • Proof of income (a hard-copy check stub less than 30 days old, proof of check from the government, proof of regular payments from elsewhere).
  • Proof of residency (rent receipt or a copy of a utility bill).
  • Current Phone bill.
  • Four references (with complete contact info).
  • Title of a vehicle if one is being traded-in.
  • Cash for your down payment.

    • We can usually have your loan application approved and be driving the same day. and you’ll be on the road in your new vehicle the same day.

    We run a soft-credit pull during the pre-approval process, that does not impact your credit score. However, a formal credit pull is necessary for the final approval process with our financing company. This process allows us to establish your account and report your on-time payments to assist you in rebuilding your credit.

    Yes; Because of our special relationship with our lender, we can still get you approved even with prior repossessions.

    No problem. You’ve come to the right place. We specialize in financing customers with less-than-perfect credit scores or even no credit at all. Our finance company considers a number of key factors during the underwriting process for approval; not only your credit history or your credit score.

    Your down payment helps lower the amount you will finance on your car loan, making it more affordable in the long run. Your down payment also shows a strong commitment to our finance company, that you are dedicated to rebuilding your credit through our program.

    Down payments will vary based on several factors. Our finance company considers, the year, make, model of the vehicle, income, credit history, and the amount of money you feel comfortable putting into the deal. Typically, more money down will help lower your payment.

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