Credit Challenged

At Huntington Beach Chrysler Dodge Jeep RAM, we offer a large selection of new vehicles and used vehicles, so you can find the car, truck, van, or SUV that fits your needs. We're customer-focused and committed to making the car-buying process straightforward and enjoyable. While many drivers qualify easily, we also believe in giving people a second chance to rebuild credit with an auto loan. Review our financing options or reach out anytime through online chat or by phone via Contact Us.

Many people assume you need a strong credit score to get approved. However, if you can answer "yes" to the questions below, we can focus on the basics - not just your credit report. You can also get pre-qualified online to save time.

• Have you been at your current job for more than 30 days? This helps show consistent income.
• Have you established a place to live? This shows stable residency in the community.
• Do you pay rent or your mortgage on time (or no more than 30 days past due)? This reflects responsible payment history.
• Is this your first time buying a car? We understand you may be building credit for the first time.
• Do you receive Social Security? Please bring bank statements for the past three months or your current Award Letter.
• Are you self-employed or paid in cash? Bank statements for the past three months can be helpful (though not required).
• In the past five years, have you had fewer than two repossessions? This can help us understand your current situation and options.

Because we sell the vehicles, determine pricing, and provide financing, we may be able to offer more flexible terms to help you drive home in a vehicle that fits your budget. We also report transactions to the credit bureaus, which can help you establish credit, strengthen good credit, or rebuild after challenges such as late payments, bankruptcy, repossession, or foreclosure. To set expectations, you can check What's My Buying Power? and review our Loans & Financing page.