Auto Loans With High-Risk Credit in St. Charles

Auto Loans for Active Military or Retired in O'Fallon / St. Charles County

It can be tough to purchase items a person needs with high-risk credit. Going beyond the scope of poor or bad credit, high-risk credit includes serious events such as bankruptcy, foreclosure, and car repossession. Obtaining auto loans with high-risk credit in St. Charles can be next to impossible when there is already a car repossession on a credit report. Here at 5 Star Auto Plaza, we understand that sometimes bad things happen to good people. We are dedicated to getting all of our clients in the vehicle of their choice, regardless of credit history.

We are a Buy Here Pay Here dealership, so this allows us to act as both the car dealer and the financier when it comes to the car loans. While large financial corporations swiftly deny those with low credit scores and high-risk credit, we take a deeper look and give it our personal touch. There are many factors to take into account beyond the credit score. Our credit application is simple and easy to fill out, with results in less than five minutes.

We are also experts in events such as bankruptcy. In fact, many local attorneys send us their clients because of our long history with approving clients with bankruptcies. Clients with both discharged and undischarged Chapter 7 and Chapter 13 bankruptcies may be eligible for a loan through one of our knowledgeable salespeople.

Visit our West Clay Street location here in St. Charles, or give a friendly staff member a call at (636)940-7600. Auto loans with high-risk credit in St. Charles shouldn’t be an impossible mountain to climb. Here at 5 Star Auto Plaza, our motto is, “we build clients for life.”

5Star auto plaza Review

5 Star Auto Plaza

5 Star Auto Plaza Review

  • Chesterfield Used Cars

    Review Your DealerI made an appointment at 5 Star Auto Plaza. They showed me the car and gave me a test drive. They were  very friendly, courteous, and didn’t try to hard sell me. The car sold itself, yet they made the experience easy. Read More
  • St. Louis Used Cars

    Review Your DealerI found the gentlemen  I dealt with at 5 Start Auto Plaza quite respectful and seemed to really have my best interest at heart . My salesman really worked with me on picking out the perfect car for me. I appreciated the personalized approach he offered. Read More
  • O’Fallon Used Cars

    Review Your DealerDidn’t have to go through a big deal on getting a deal. I told them what I thought the car was worth and they worked with me to get me there. Read More
  • St. Peters Used Cars

    Review Your DealerI  wanted a new car for myself so I started checking out some cars online. I found a Lexus LS430 and decided it was the perfect car for me, I just needed to find the right priced one. I found one at 5 Star Auto Plaza, they worked within my budget and I got the car [...] Read More
  • St. Louis Used Cars

    Review Your DealerThey gave me a great price on my trade in and the overall price was very fair according to blue book. I am more than pleased with how the service was here. Read More
  • St. Charles Used Cars

    Review Your DealerFriendly faces and attitudes made all the difference for me from past experiences. They even detailed my suv upon delivery. Great experience. Read More
  • St Charles Used Cars

    Review Your DealerLast summer I purchased a F150  from these guys.  After looking at several local dealerships, I found 5 Star Auto Plaza had the best prices, they had honest sales people and a great selection.  My truck is a great, it runs perfectly and it we absolutely love it!   Read More
  • St. Louis Used Cars

    Review Your DealerRecently after filing for a bankruptcy, our SUV broke down so we need a new family car.  We were really concerned after being turned down by another local auto dealer and our bank for a car loan due to our lack of credit after the bankruptcy.  We were truly elated to find 5 Star Auto [...] Read More
  • St Charles Auto Dealership

    Review Your DealerExcellent, top notch service! We were treated with respect and they listened to our needs 100%- Will be back Read More
  • St Charles Trucks For Sale

    Review Your DealerI am glad I chose 5star Auto Plaza for my vehicle purchase. Read More
  • At 5 Star Auto Plaza, we believe buyers should have expectations.

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