Not every credit situation is the same, and not everyone is able to maintain sterling credit. Sometimes, life merely happens. There are also those just starting out in life with their first apartment and first real job, in need of reliable transportation. So many companies are not willing to give either those with bad credit or no credit a chance. Here at 5 Star Auto Plaza, we believe we are the best at offering car loans with any credit in St. Charles. We are experienced in approving young people with little or no credit, families that have faced foreclosure and default, and even those who have gone through bankruptcy. We want to give everyone a second or first chance, regardless of their credit history.

We are highly experienced in the realm of Chapter 7 and Chapter 13 bankruptcies, discharged or undischarged. In fact, local bankruptcy attorneys send us their clients because they know we were do our best to get them approved for a loan. Our credit application is easy to fill out, and applicants have results in less than five minutes.

We are what is called a Buy Here Pay Here dealership. This means that we do our own financing, and do not depend on a large corporation for our decision-making. All of our applications, loans, and approvals are processed in-house. By cutting out the middleman, we can give our clients a more personal touch.

We encourage any potential car buyer to visit our location on West Clay Street in St. Charles, or to give an experienced salesperson a call at (636)940-7600. 5 Star Auto Plaza is the most experienced dealer for car loans with any credit in St. Charles, and we want to prove this to every client. Our personal motto is, “we build clients for life.”