Unfortunately, it is a common myth that medical debt does not affect credit. Unpaid doctor and hospital bills often are sent to recovery agencies and can cause credit reports to be fair to poor, to even bad. Obtaining car loans with medical debt in St. Charles can be quite a hurdle to jump for this reason. If a potential car buyer has not checked their credit report in some time, they may be surprised at a car loan denial over medical debt alone. 5 Star Auto Plaza understands that sometimes things happen and we want to see everyone approved, regardless of credit.

Other detrimental credit events, such as divorce, bankruptcy, and foreclosure, are no strangers to us either. Bankruptcy attorneys even send us their clients because they know we will do our best to get everyone approved. Our credit application is simple and easy to fill out, with results in less than five minutes. It is possible to drive the car of choice right off of the lot in one day.

Part of why we are able to approve so many clients with bad credit is the fact that we are a Buy Here Pay Here dealership. By negating the middleman, or finance companies, we finance all loans ourselves, so clients truly buy here and pay here for the duration of their loan. By adding this personal touch, we are able to approve a person for a car loan, and not just deny a number.

Visit our showroom at our West Clay Street location today, or give 5 Star Auto Plaza a call at (636)940-7600 to speak with an experienced and professional salesperson. Car loans with medical debt in St. Charles shouldn’t be impossible. Our motto is, “we build clients for life.”