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as low as $39 down*

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Do you need a car but have issues with your credit? At Car City we understand that life happens and sometimes you're put into a tough situation that can have a long-lasting, negative impact on your credit score. It may seem difficult or impossible to get financing with bad credit or no credit.

We want to assure you that you're not alone and we want you to know that Car City can help by working with you, no matter your situation. If you don't have credit or if your credit score has been negatively affected due to a bankruptcy, repossession, foreclosure, late or missed payments or something similar, we can help.

How Can I Get a Car With Bad Credit at Car City?

We help people with credit issues because we base your approval on your income, not your credit score! If you meet our minimum income requirements, then not only can we help you get a car, but we can help you drive for as low as $39 dollars down!

For your convenience, you can apply online using the link below or feel free to come visit us at any of our showrooms across Michigan and South Bend, Indiana.

Our sales managers can answer any questions and help you get approved quickly.

Whether you decide to fill out the online application or visit us in person, you will need a valid driver's license and proof of your income – this can include income from Social Security and/or Disability.

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How Can I Get a Car With Bad Credit at Car City?

What Happens After I'm Approved?

No matter whether you've applied online or in the showroom, we want you to test drive our vehicles so that you're happy with your selection.

If you've applied online and have selected the vehicle that you're interested in, simply schedule an appointment to come in and finish up the paperwork in person.

We'll have you out and driving in about 30 minutes or less.

What You Can Expect

6-Month/6,000 Mile Warranty on all our Cars, Vans, Trucks and SUVs. We also offer an optional and economical vehicle service contract that covers your vehicle up to 36 months.

5-Day Money Back Guarantee. If you're not fully satisfied for any reason with your vehicle, bring it back within 5 days or 500 miles and we'll refund your money.

We include GAP protection. Should you badly damage or total the vehicle, you're covered for the difference between what a vehicle is worth and the amount you owe on it. Please know that you will still need insurance on your vehicle.

Do You Have A Trade-In?

We'll give you at least $1,000 for your trade, whether it runs or not. Just get it here and we'll put $1,000 towards your deal.

View Our Inventory

*48- or 54-month lease. $501 per month average. $2,500 minimum/month income required. $39 due at delivery. Excludes tax, title, license, and doc fees. No security deposit is required. Contact us for full guarantee and warranty details. Call 888-227-2489 for more information.