It is a common myth that unpaid medical bills and debt do not contribute to less than stellar scores on a credit report. However, medical bills are marginally treated like any other debt – sent to debt recovery agencies, and if unpaid, can result in low credit scores. Many potential car buyers may be shocked to discover that their credit score is lower than expected when they want to buy a new vehicle. Many car dealerships look at credit scores alone and will turn good clients away. Here at 5 Star Auto Plaza, we want to go a step further than that. Not only do we want to approve clients with medical debt, we want to offer a no down payment auto loan with medical debt in St. Charles. We want to help our clients rebuild their credit.

As a Buy Here Pay Here dealership, we have the special capability of being able to be both a car dealer and financier. Instead of depending on outside sources for our financial decision-making, we process all of our loan application in-house. With a more personal touch, we are able to look beyond just credit scores. We understand that tough times often befall good people. Our credit application is quick and simple to dill out, with results in less than five minutes.

Another great way to eliminate a down payment or keep monthly payments low is to have a trade-in. We offer top dollar on all trade-ins brought to us, regardless of their condition. Simply bring in the vehicle, and receive an estimate in mere minutes.

Stop by our West Clay Street location for more information, or give 5 Star Auto Plaza a call at (636)940-7600. We want a no down payment auto loan with medical debt in St. Charles to be a reality for our clients.