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Buying a car with bad credit in Decatur: your questions answered
Straight answers. Still have a question? Call (256) 886-1400.
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.
Is this buy here pay here?
No. We arrange financing through outside lenders who specialize in credit rebuilding. That means your on-time payments can be reported to the credit bureaus and help rebuild your credit. Many buy here pay here lots don't do that.
Where are you located?
3511 Hwy 31 S in Decatur, Alabama, on the south side of town on Highway 31. Easy to reach from Hartselle, Priceville, Somerville and the rest of Morgan County.
Can I get approved if I'm self-employed or paid in cash?
Often, yes. Bring bank statements showing your deposits for the last few months and we'll work with that.
How long does it take?
Filling out the form takes about two minutes. Once you're at the store with your paperwork, 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.
Ready to see what you qualify for?
Two minutes. No Social Security number. No hit to your credit score.