Sometimes life events happen that can cause someone to have poor credit, such as bankruptcy, divorce, and foreclosure. Bad things do happen to good people, and we here at 5 Star Auto Plaza understand that. Auto financing with poor credit in St. Charles can be exceedingly tough, when many dealerships and financing companies do not want to take a chance on clients with high-risk credit. Here we are committed to getting everyone approved for a loan.

Bankruptcy can affect someone’s credit for seven years or more, and many potential car buyers are turned away before they can get a word in edgewise. Here at 5 Star Auto Plaza we welcome those with discharged or undischarged Chapter 7 and Chapter 13 bankruptcies. In fact, local bankruptcy attorneys send us their clients because of our commitment to approval.

A divorce is another life event that can negatively affect credit. We are a Buy Here Pay Here dealership, which means there is no big-corporation finance company to get approval from, Our clients select their car here, pay here, and get financing here. This lends to a much more personal experience. We know that hard times fall on good people, and we’re willing to take the risk.

We also offer top trade-in value for all potential buyers that want to trade in their old car. For those with bad credit and little equity, this can make down payments and monthly payments significantly less, lowering the burden.

We encourage potential clients of 5 Star Auto Plaza to visit our showroom location on  West Clay Street, or to give an experienced sales professional a call at (636)940-7600. Auto financing with poor credit in St. Charles can be tough, but we are committed to building clients for life, and to getting everyone approved for the vehicle of their choice.