Bad Credit Auto Loans in O’Fallon / St. Charles County

November 12, 2015  

Advance preparation is crucial when buying a used car, especially if you must seek bad credit auto loans in O’Fallon / St. Charles County. Numerous dealerships are willing to take a risk on someone who has a less than favorable credit history.

Bad Credit Auto Loans in O'Fallon / St. Charles County

Before shopping for your pre-owned auto and how to pay for it, carefully consider these car buying tips:

  1. Acquire a copy of your credit report and score online. This will allow you  realize your exact situation before visiting the dealership. While your score may be too low to buy a house, it is likely to be high enough for a used auto. Correcting any errors that appear will also raise your credit score, in time.
  2. Strive for the shortest loan term that you can. Though your monthly payments will be higher, dealers prefer short term loans. It can also save you money over the length of the loan.
  3. For your car search, choose a dealer with a good reputation. Convenience is also a bonus.
  4. Bring a friend with you to the dealership for unbiased advice about a vehicle and the type of loan best for you.
  5. Look for the lowest annual percentage rate or APR available.
  6. Do not cave in to the pressure to buy dealer add-ons. They are not necessary.
  7. Ensure that the paperwork is finalized before leaving the dealership.

The expert professionals at 5 Star Auto Plaza will be happy to assist you with bad credit auto loans in O’Fallon / St. Charles County. Call our sales office at (636)940-7600.

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.

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