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.