Fresh Start Finance

Whatever your situation, we'll get you where you need to be.

We Make it Easy!

We understand that bad things happen to good people, and we want to help. At Palm Bay Ford, car shoppers looking for a reliable new or used vehicle have financing options that fit their unique needs thanks to the relationships that we have built with area lenders. Regardless of your past experiences, we can help you move forward with the reliable transportation that you deserve. Visit our Palm Bay, Florida dealership today and we can help you with Fresh Start Financing.

Fresh Start Financing in Palm Bay, FL

Couple Getting their keys
Thumbs Up - Approved

Any Income Accepted:

  • Child Support
  • Disability
  • Supplemental Security Income (SSI)
  • Foster Income
  • Other Types of Income

We Help Everyone:

  • Multiple Bankruptcies
  • Multiple Repossessions
  • Foreclosure
  • Divorce
  • Late or Missed Payments
  • Prior Credit Denial
  • Loan Default
  • Student Loan or Medical Debt

Get Qualified in a Matter of Seconds at Palm Bay!

Let us help you get a fresh start. Stop by the Palm Bay Ford dealership in Palm Bay, Florida to learn about your financing options today.

Are You Credit Challenged?

No problem! We are here to help!

Credit Challenged - Hero

Fresh Start Financing

No Credit, Bad Credit, No Money Down, No Problem!

Our financing department has helped many of our customers over the years, including customers who didn't think there was any way they could get a car loan with bad credit. Whether you have damaged credit, no credit, declared bankruptcy or have other harmful credit circumstances, we welcome the chance to show you that we can help you get the credit you need.

Don't have any money down? Believe it or not, that isn't always a problem. We're often able to help those with poor credit and no money down to get a quality car or truck.

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A Little Knowledge Can Make A Big Difference.

Choice of Vehicle/Trade

The loan rates available to you will be based on the year, model, and final cost of the vehicle you choose.

Credit History/Employment

Your rates are based on numerous factors such as income, employment and credit history, including the number of open balances and late payments.

Down Payment/Interest Rate

The more money you can put down the higher your chances are of being approved and the lower your rates are likely to be.

Before applying for credit, it's always helpful to know your credit score which can measure from 350 to 850. The higher your credit score the less you are considered to be a risk. That translates to a lower interest rate. However, whether or not you know your credit score you can still use our credit application tool and remember, we are ready to approve you regardless of your credit score or history.

Factors Effecting Your Credit Score

Number of open credit accounts, loan and credit card payment history, amount of debt compared to annual income, frequency of credit inquiries, and number of liens and judgments.

To learn your credit score you can contact the three main credit reporting agencies:

Experian Logo

Experian:

www.experian.com
(888) 397-3742

Equifax Logo

Equifax:

www.equifax.com
(800) 685-1111

TransUnion Logo

TransUnion:

www.transunion.com
(800) 916-8800

What you need to bring with you

Valid Driver's License

Proof of Insurance

Proof of Income

Proof of Residence

Proof of Phone Number

In some cases, you may be asked for additional information. We'll walk you through every step of the way and respect your privacy & concerns. Please make sure your information is current.

How We Can Help with Bad Credit!

At Palm Bay Ford, we go the extra mile to get you the car you need, and the chance to rebuild your credit. We'll get you behind the wheel of a quality new Ford or pre-owned vehicle at the lowest possible interest rate for your situation

Don't go to one of those buy here/die here car lots. You'll end up paying way too much for a car that may not even make it to the end of your payments. Worse, those types of car lots often fail to report your payments to the credit agencies, meaning that your credit score won't even improve.

Learn More

Credit Score Range

Excellent
750 & Above
Good
700 - 749
Fair
650 - 699
Poor
550 - 649
Bad
550 - Below

Palm Bay Ford Credit Financing Specialist

At Palm Bay Ford, we have established relationships with the best in the auto financing business, including a variety of lenders who handle no credit and bad credit auto loans. We know how to shop the lenders to get you the best loan available and we're willing to go to bat for you to help you get the credit you need to put yourself behind the wheel of a quality vehicle.

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Convenient Online Tools

Payment Estimator

Payment Estimator

Use our Payment Estimator to see just how much you can afford for your next car.

Estimate Your Payment
Instant Cash Offer

Instant Cash Offer

Get a Kelley Blue Book Instant Cash Offer for your trade in minutes.

Get Started Today
Online Credit App

Online Credit Application

Get pre-qualifed for your loan or lease with our online credit app.

Get Pre-Approved