Auto Loans With Poor Credit in St. Charles

auto financing with any credit in St. Charles

There are some slight differences between no credit, bad credit, and poor credit. A person with no credit is typically starting out in life, and simply hasn’t had anything put in their name. Bad credit usually includes some type of serious life or credit event, such as bankruptcy, foreclosure, or repossession. Simply having poor credit can be detrimental as well, with the inclusion of unpaid credit cards, late payments, and over extensions. One might be able to secure auto loans with poor credit in St. Charles, at the cost of an impossible interest rate and unaffordable monthly payments.

Here at 5 Star Auto Plaza, we want to see our clients get back on track. We can offer better financing rates and loans to those with poor credit, as we want to see everyone happy with their vehicle and their loan.

We are better able to control our financing because we are a Buy Here Pay Here dealership. Unlike other car dealers that depend on large conglomerate financial institutions for their decision-making, we make all of our decisions in-house.  Instead of merely looking at a credit score and issuing a denial, or charging unreasonably high interest rates, we actually sit down with our clients to figure out the best plan of action. Our credit application is simple to fill out, and results are guaranteed in less than five minutes.

Having a trade-in vehicle also helps decrease the required down payment or monthly payments. We do offer top dollar on any vehicle traded in.

We encourage all potential buyers to stop by for an estimate on their trade-in, or to speak with an experienced staff member by giving us a call at (636)940-7600. Here at 5 Star Auto Plaza we don’t want auto loans with poor credit in St. Charles to be an issue. We want to build our clients for life.

5Star auto plaza Review

5 Star Auto Plaza

5 Star Auto Plaza Review

  • 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
  • St. Charles Auto Loans

    Review Your DealerReally good people who are out to help people get in position to help themselves. Read More
  • St Louis Cars For Sale

    Review Your DealerGreat person to help with purchasing a car. Friendly and very professional. Thanks for all the help. Read More
  • St. Louis Bad Credit Auto Financing

    Review Your DealerChris King was very informative about establishing my credit. Very informative on credit building. I was very pleased with customer service in the entire building. They kept me laughing. 5 Star Auto Plaza, you ROCK! Read More
  • At 5 Star Auto Plaza, we believe buyers should have expectations.

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