Bad Credit Auto Loans in O’Fallon Can Solve Transportation Problems

September 13, 2016  

Bad Credit Auto Loans in O'Fallon Can Solve Transportation ProblemsHaving a poor credit score and a less than optimal credit rating need not be a deterrent to purchasing reliable transportation. Preparation in advance of your car search can yield excellent results. A dealership’s only concern is your ability to pay your monthly note and are not interested in your financial problems. Here is what you need to know when you apply for bad credit auto loans in O’Fallon:

  • Request a copy of your credit report by accessing You are entitled to one free report per year.
  • Inspect the report closely. If you find errors, dispute them with the credit bureau. This can take some time to rectify.
  • Boosting your credit score will have the most positive effects on your chances to secure a lower interest rate, particularly if you have an unfortunate event in your past and need car loans after divorce.
  • Apply for a secured credit card with a low debt limit. Make purchases and pay them off faithfully each month. This demonstrates responsibility to a dealer.
  • Consider adding more debt (but not too much!) to slowly but steadily repair your credit.
  • Credit counseling can provide valuable advice in budgeting, setting goals for paying off debts and managing finances.

For questions about the ins and outs of bad credit auto loans in O’Fallon, speak with one of our sales staff or our financing specialists at 5 Star Auto Plaza by calling (636)940-7600. We have a variety of programs to meet your needs and a large vehicle selection from which to choose.

5Star auto plaza Review

5 Star Auto Plaza

5 Star Auto Plaza Review

  • St. Charles Used Cars

    Review Your DealerThey did me a great deal by working with  me on my trade in. I got into something I actually wanted and didn’t break the bank. Read More
  • St. Charles Used Cars

    Review Your Dealer5 Star Auto Plaza even won my husband over with their sales techniques. There was no high pressure tactics or belittling us. I was also impressed with all the clean cars and their selection. I would go back without hesitation. Read More
  • 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
  • At 5 Star Auto Plaza, we believe buyers should have expectations.

    Read More
    Consumer Satisfaction Reward