Decatur's credit-friendly car lot
Bad credit? No credit?
Drive home in Decatur.
Real cars, real prices and real people at 3511 Hwy 31 S. We work with bad credit, no credit, repos and first-time buyers every day.
- Pre-qualify in 2 minutes
- No Social Security number
- Doesn't touch your credit score
See what you qualify for
Payments that fit a real budget
See all 36 cars →2014 Toyota Yaris LE
169,753 miles · FWD
2017 Kia Forte LX Base
76,808 miles · FWD
2020 Ford Edge SEL
98,905 miles · FWD
2014 Hyundai Elantra SE
183,342 miles · FWD
2017 Nissan Armada Platinum
101,543 miles · RWD
2024 Nissan Sentra SV
41,268 miles · FWD
2023 Volkswagen Jetta S
37,928 miles · FWD
2021 Hyundai Tucson SEL
105,000 miles · FWD
How it works
No runaround. No hours at a desk.
Tell us about you
Two minutes, no Social Security number, and it doesn't touch your credit score.
We call you back
A real person at our Decatur store calls you, goes over your options and picks cars that fit your budget.
Come drive it home
Bring your paperwork to 3511 Hwy 31 S, test drive your car and sign. A lot of buyers drive home the same visit.
What to bring to get approved
Bring these and you can often drive home the same visit:
- Driver's licenseA valid driver's license or state ID.
- Proof of incomeYour most recent pay stubs. Self-employed or paid cash? Bank statements work too.
- Proof of where you liveA recent utility bill or bank statement with your name and address.
- Your down paymentCash, debit card or a trade-in. Every situation is different, so ask us what fits yours.
- Your trade-in (if you have one)Bring the title or payoff info. We'll give you a real number for it.
Why Decatur drivers pick us
We say yes when banks say no
We work with lenders who specialize in rebuilding credit. They look at your job and income, not just a score.
Your payments can build your credit
We're not buy here pay here. Outside lenders can report your on-time payments to the credit bureaus.
The price is the price
Every car shows the full out-the-door estimate: price, $899 doc fee and 3.5% tax. No hidden add-ons.
You deal with your neighbors
A local store on Highway 31. Stop by, kick the tires and meet the people you'll be dealing with.
Come see us in Decatur
3511 Hwy 31 S
Decatur, AL 35603
On Highway 31 on the south side of Decatur.
| Mon – Fri | 11 AM – 7 PM |
| Saturday | 10 AM – 4 PM |
| Sunday | Closed |
Questions people ask before they come in
Can I buy a car with bad credit in Decatur?
Yes. Bad credit, no credit, repos, bankruptcies and first-time buyers are who we work with every day. We work with lenders who look at your job, your income and where you live, not just a credit score.
Do I need a down payment?
Most buyers put some money down, and a bigger down payment usually means a lower payment and an easier approval. How much depends on the car and your situation. Call us at (256) 886-1400 and we'll give you a straight answer.
Will filling out the form hurt my credit score?
No. The pre-qualify form on this site doesn't ask for your Social Security number and doesn't pull your credit. We only run credit once you're ready and say so.
What do I need to bring?
Usually a driver's license, recent pay stubs, a utility bill or bank statement with your address, and your down payment. If you have a trade, bring the title or payoff info.
Is the price on the website the real price?
Yes. The price you see is the price of the car. The only things added are the $899 dealer doc fee, Alabama sales tax and tag and title. We show the full out-the-door estimate on every car so there are no surprises.
Do you take trade-ins?
Yes, even if you still owe on it. We'll give you a real number and apply it to your down payment.
Ready to see what you qualify for?
Two minutes. No Social Security number. No hit to your credit score.