We're Here to Help!
Loan Zone Tucson
Bankruptcy, Divorce, Bad Credit?Â
Where quality meets affordability
Serving the greater Tucson area
Navigating Bankruptcy
Bad or No Credit Car Loans in Tucson
Larry H. Miller Dodge RAM in Tucson will help you get financing for a car or truck if you have bad credit or no credit. We've helped many people with bad credit or no credit purchase the car of their dreams. Our finance department has years of experience working to help you get approved for a loan. We also collaborate with a several lending institutions, to make sure you receive the best loan rate possible. With our experience, so many people looking for a car loan are finding success at Larry H. Miller Dodge RAM in Tucson.
Call the Credit Resource HOTLINE
520-867-9422
How to Get a Car Loan with Bad or no Credit
The economy has been improving, many lending companies and financing options are returning into the market. The reality is, that most people with credit issues are still able to receive financing on a car.
There are some standard documents that you will have to get ready when applying for a loan. They are:
- Proof of Income / Check Stub
- Telephone Bill
- Copy of your Lease or Mortgage Statement
- References
Why Choose LoanZoneTucson?
Our LoanZone Tucson Credit Specialists have been helping people get back on the road to re-establishing their credit for many years. This includes open Chapter 7 & 13 bankruptcies, discharged bankruptcies, multiple bankruptcies, foreclosures, tax liens, repossessions, collections and judgments. Whether this is due to medical bills, divorce, loss of your job, or just a financial hardship, we can help. We work with people who have no previous credit, good, fair, or even bad credit history. We also offer financing options with no money down.
We have established relationships with many lenders that other dealers are not able to offer. This allows us to offer you the lowest rates, best quality vehicles and more financing options. These lenders are reputable and report to all credit bureaus so you can begin to re-build your credit. Starting the process is simple. It only takes a few minutes to fill out the secure finance application. We will have a member of the credit team contact you that same business day. If you are more comfortable contacting a team member directly, please call us at 520-867-9422.
No one understands your situation better than us. You can expect to deal with a friendly and professional consultant that will meet one on one with you to review your personal situation and circumstances. We will take the time to explain your options and answer any questions that you may have.
One of our specialties is arranging competitive financing for people in open bankruptcies. Now is the time to start re-establishing your credit. In most cases when you keep your current vehicle, it will no longer report on your credit bureau. This will only delay the process of re-establishment. One of advantages of buying a vehicle with Loan Zone Tucson is we offer the rate reduction program. This program allows you to reduce your interest rate every 3 months as long as your payments are made on time.
Loan Zone Tucson has the largest selection of quality new and used vehicles. We look forward to assisting you.
We make the process simple with our online credit application
Simply complete the online application to pre-qualify for your loan and then give us a call on our Credit Resource Hotline: 520-867-9422 to schedule an appointment with one of our finance professionals. It's that easy!
Click here to begin your Credit Application
To schedule an appointment with one of our finance professionals, please call 520-867-9422. We've Been Helping Car Shoppers Find Their Perfect Car or Truck For A Long Time.
Our staff is Dodge and RAM Certified and focused on providing people with the best value and amazing service in Tucson. We are devoted to providing an experience that extends beyond the sale, continuing with exceptional service, we want to build relationships with our customers. We are dedicated to our customers with less than optimal credit.
Options for Bad Credit or No Credit Car Loans in Tucson
Our financing and loan approval process is easy and fast, let's get you qualified for a loan on a new Dodge car or RAM truck. Click here to start now! We also have a large inventory of used vehicles which contain nearly every make and model. If you have any questions about our inventory, please get in touch with our Credit Resource team at 520-867-9422. If you have bad credit or no credit we can help you find financing and leave here with a car of your dreams. We at Larry H. Miller Dodge RAM in Tucson are here to help you find financing and to help you build or restore your credit. We look forward to serving you.
What are the First Steps?
It's best to meet in person for our initial consultation. Please bring in just a few items the banks will require such as your driver's license, a recent pay stub, proof of insurance & residence (usually a utility bill with your name and current address). We will discuss your Credit Bureaus in detail with no judgement, talk about vehicle needs, and your personal financial goals. We will help you develop a credit re-establishment plan. We understand that sometimes bad things happen to good people. In most cases we are able to get SAME DAY PRE-APPROVALS! We work hard to provide a positive and professional environment. We believe in maintaining integrity in all we do. We provide useful advice and a very aggressive approach that can help you achieve your credit goals.Receive Useful
Advice
Please
call for important information about
reaffirming your current auto loan or continuing to
pay on a vehicle in a bankruptcy.
Reaffirming or continuing to pay on an auto loan does not count as
credit after a bankruptcy.
Achieve Your
Goals
You can
finance while in a bankruptcy 7
& 13. There are programs to lower your interest rate a full 2%
per
year.
Experience Service and
Quality
Our credit specialists will assist you in your future
good credit. Our lenders report to all three major credit bureaus
(Experian, Equifax, and Transunion) so that
you'll start rebuilding your credit instantly. We
make the approval process easy with as
little as $0 down and simple qualifying (driver's license, pay stub,
proof of insurance & residence).
The
door to your new vehicle is easy to open.Â
Credit Issues
Chapter 7 Bankruptcy
This is a liquidation debt that generally takes three to four months from the filing date to discharge. We can arrange auto financing in an open or discharged bankruptcy. When your bankruptcy is open, we can arrange financing prior to your 341 meeting (also known as the meeting of your creditors).Chapter 13 Bankruptcy
Is a re-organization of debts typically between one, three, and five year terms. Our lending sources will only usually require that you receive written permission from the trustee and/or the bankruptcy court and that your plan has been confirmed.Multiple Bankruptcies
One or more bankruptcies that have been filed or discharged by an individual whether it is a chapter 7 bankruptcy or a chapter 13 bankruptcy. This credit scenario can almost always still be approved for a car loan.First Time Car Buyer
This individual usually has no revolving or installment credit history. A first time car buyer typically has no credit bureau score, however, there are lending sources available for this type of buyer and sometime special programs too!Credit Counseling or Debt Consolidation Programs
This individual has gone to a profit or non-profit organization in an attempt to pay back creditors in full at a reduced rate and/or payment. We have lending sources available for this type of situation too.Repossession
If an individual has experienced a repossession, voluntary or in-voluntary, a lender will require that the repossession have occurred at least two years prior to the application for auto financing.Unresolved Derogatory Credit
This situation is one that most lenders will shy away from because of the high risk of bankruptcy. There are three forms of resolution: resolving the credit issues through repayment of debt. Resolving the debt through bankruptcy or not acting on the situation at all resulting in a continuation of excessive unresolved derogatory debt. There is limited means of financing available for this type of customer. A lender willing to finance this type of customer will require a large cash down payment and a shorter loan term resulting in a higher monthly payment.Navigating Bankruptcy
$0 Cash Down
We make the pre-approval process easy with as little as $0 down and super-simple qualify for. Just bring your driver's license, a recent pay stub, proof of insurance & residence (usually a utility bill with your name and current address).The door to your new vehicle is easy to open!
Call us at 520-867-9422 to learn more!
Quick & Easy
The application process is quick, easy and available 24 hours a day, 7 days a week online.
We Specialize in:
- Chapter 7 & 13 Bankruptcy (open or closed)
- Multiple Bankruptcies
- First Time Buyers
- Credit Counseling & Debt Consolidations Programs
- Repossessions
- Excessive Credit & Derogatory Credit
Frequently Asked Questions
A: We can assist you in your future good credit. Our lenders report to all three major credit bureaus (Experian, Equifax, and Transunion) so that you'll start rebuilding your credit instantly. We help to make the approval process easy with as little as $0 down and simple qualifying (driver's license, pay stub, proof of insurance & residence).
A: You have been pre-qualified based solely on your bankruptcy filing. There is increased pressure to stimulate the current economy. More funding has been approved for individuals with the ability and desire to re-establish themselves.
A: You can finance while in a bankruptcy 7 & 13. There are programs to lower your interest rate a full 2% per year.