No Down Payment Auto Loan With Bad Credit in St. Charles

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

It can be incredibly tough to find a car dealership or finance company that will finance a client that has poor or bad credit. Life events such as bankruptcy, divorce, repossession, and foreclosure can really take their toll on a credit score. Here at 5 Star Auto Plaza, first and foremost, we are dedicated to getting everyone an auto loan, regardless of credit history. However, our clients are even more surprised when we tell them that they are eligible for a no down payment auto loan with bad credit in St. Charles. It’s true – potential car buyers can have bad credit and no down payment.

The best thing to do for clients in a credit or financial crunch is to have a trade-in. Here at 5 Star Auto Plaza, we do offer top dollar value for any trade-in car or truck. Just simply stop by our West Clay Street location, and have one of our experienced salespeople give a fair and reasonable estimate in a matter of minutes.

No matter the condition of the trade-in, having a trade-in as part of a loan application can significantly lower a down payment on a new car, to the point of no down payment at all.

As a Buy Here Pay Here dealership, we have the unique ability to be a car dealer and a financier to our clients, as opposed to other dealerships that depend on large financial corporations for their decision-making. We can add a more personal touch, and can work with the client, not just deny a credit score.

We encourage all potential car buyers to drop by our showroom, or give one of our friendly staff members a call at (636)940-7600. Here at 5 Star Auto Plaza, we want everyone to be able to receive a no down payment auto loan with bad credit in St. Charles. We want to build our clients for life.

5Star auto plaza Review

5 Star Auto Plaza

5 Star Auto Plaza Review

  • 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
  • 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
  • At 5 Star Auto Plaza, we believe buyers should have expectations.

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