Find Affordable No Credit/Bad Credit Auto Financing near St. Louis and Florissant

Whether you have a family to carry around or you need transportation to work, a quality, dependable automobile is a necessity for many drivers. Owning a reliable car is a must, but circumstances may lead someone to worry about their ability to find affordable financing. Every week at Paul Cerame Ford, we meet many people with troubled financial histories who need a vehicle and want to know if we'll accept an application.

If this sounds like you, we want you to know that we do work with car buyers who don't have the best credit history, and we love helping people secure a financing solution that works with their budget. Our team possesses a tremendous amount of experience dealing with applicants of all credit backgrounds. We've helped many shoppers secure financing in the past, and we will do our best to assist you.

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Important Privacy Information

Privacy Statement

As a valued customer, we want to ensure your private information is kept private and only shared with those companies who are authorized either by yourself or as allowed or required by law. This document explains our privacy policy, gives you reasons why we ask for the type of information we do, and if we do reserve a right to share information with non-affiliated third parties, lets you "opt-out" of our reservation to do so. Please take a moment to read this entire policy.

Collection of Information
The purchase of a motor vehicle requires considerable accumulation of nonpublic personal information. For example, if we sell or lease you a vehicle - extending you credit at your request - we will receive information from you in order to determine your creditworthiness. We may also obtain information from a credit-reporting agency. We may also obtain information from third parties such as employers, references and insurance companies.

Some of the information we obtain from you may be required by state of federal agencies, such as the Department of Motor Vehicles or the Internal Revenue Service. This information may be required even if you were to pay cash for your vehicle. Examples would be a driver's license or social security number.

Protecting Your Information
We safeguard nonpublic personal information according to established industry standards and procedures. We maintain physical and electronic safeguards that comply with state and federal law. We restrict access to nonpublic personal information about you to those employees and outside contractors who need to know the information to provide product or service to you. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy.

Information Sharing
Unless we have indicated our desire to share your nonpublic personal information with non-affiliated third parties (by checking the box in the section below), we share information:

A) For everyday business purposes, such as to process transactions, maintain account(s), respond to court orders and legal investigations, or report to credit bureaus.

B) For purposes of processing a sale or lease transaction as your request or authorize, such as submitting information to third party financial institutions that may be requested to take an assignment of the contract or verifying insurance coverage information.

C) When using outside service providers to help us provide you with products and services. Before providing information to our service providers we enter into contractual agreements prohibiting them from disclosing or using the information other than for the purpose it was disclosed.

D) With "Affiliated" companies. Companies that are affiliated with us include any company that controls us, any company we control, or any company under common control with us.

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I am interested in purchasing or leasing a vehicle and request that my Consumer Credit Report be obtained, at no cost to me, in order to help determine the types and extent of financing which may be available to me.

Bad Credit Happens

People suffer from bad credit for many reasons. Imagine if external factors cause an owner to shut down a business. The proprietor runs behind on paying bills, and credit reports look poor. People who are out of work or have excessive medical bills may find themselves in a similar situation. At Paul Cerame Ford, we know that there's a multitude of people who suffer from a troubled credit history because of unavoidable circumstances. They're still responsible borrowers and worthy of consideration.

Completing the Application

Borrowers with bad credit fill out an application just as anyone else seeking financing would do. The application requires personal identifying information along with a financial profile. Expect to provide info about current income and expenses. Upon the completion of the application, the lender performs a credit history search. Even if the results are unencouraging, don't assume you are automatically turned down. We examine each borrower's application on a case- by- case basis.

If you have questions or concerns or would like help with the finance application, we invite you to give us a call. One of our friendly and experienced finance representatives will be more than happy to lend a hand. You can always come to the dealership in person and ask for help with filling out the application. Even if you choose to complete an online application, you can call our office during business hours and ask for similar assistance.Search Our Inventory of New and Used Cars

In our extensive inventory, we have a range of new and used models for sale. Whether you need a practical sedan for the commute, a spacious SUV for the family, or a hard-working truck for work, you'll find something for nearly every need and lifestyle. We are a Ford dealership and have many excellent new and used Ford models available.

In addition to our selection of new Ford models, we also offer a variety of pre-owned models from Ford, as well as other popular brands like Nissan, Chevy, and GMC. Are you looking for significant bargains on your next purchase? Be sure to review our bargain inventory for models under $15,000.

No Credit or Poor Credit near St. Charles and Granite City, IL? Paul Cerame Ford Can Help

For more information about securing affordable financing for your next car purchase, please contact the team at Paul Cerame Ford at your convenience. We'll work closely with you to best understand your needs and explain all available options. We're looking forward to assisting you.