Easy Auto Financing

Joplin’s Buy Here
Pay Here Car Dealer

red tire mark
Joplin Buy Here Pay Here Dealer

Apply For A Car Loan Online &
Get Fully Approved Fast

Car Credit is here to get you into a reliable vehicle regardless of your credit score. Our process here at Car Credit includes no credit check. So if you’ve got bad credit, it’s not a problem. We offer dealer financing with a low down payment.

4 Steps To A New Car

How It Works

01

Search Our Inventory

We hand pick our selection of premium vehicles and fully inspect them.

02

Choose The Car You Like

We are here to make your car buying experience convenient and hassle free.

03

Apply For Auto Finance

Car Credit has the finance programs to get you on the road, even with less than perfect credit.

04

Get Approved & Drive

At Car Credit we see you as a person and not a number. We are here to help.

Buy Here Pay Here Financing

Quality Dependable Vehicles

At Car Credit, we understand life has its ups and downs. If you’re going through hard financial times and it’s impacted your credit – maybe you’ve had a bankruptcy, Car Credit will work with you. We want to help you get back on the road.

No Credit Check Easy Financing

Apply Online Today! We care more about our customers than their Credit Score, so we make the entire process fast and super easy!

Great Selection of Quality Vehicles

We have vehicles for all your payment needs and all vehicles have had multi-point inspections for your ease of mind & driving safety.

3 Mo. / 3K Mile Limited Warranty

All of our vehicles come with a 3 Month / 3,000 Mile limited warranty.

black-car

Apply For Financing Online

Our buy here pay here financing provides flexible options.

Search Our Used Car Inventory

We maintain a wide variety of quality preowned vehicles.

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Latest News

remodel-car-credit

6 Ways We Remodeled Car Credit

At Car Credit, we’ve been busy making updates to our dealership. From new furniture to painting, things look nice around here. Read this blog to …
Read More

Will I Be Approved FAQ’s

What is required to get approved?

Customers typically must have a valid driver’s license, at least $1100 in provable monthly income, live within 70 miles of our location and no other current open car loans. However, every situation is looked at uniquely so feel free to contact us to discuss your options.

Other dealers turned me down, can you approve me?

We set the financing criteria so we have a lot more flexibility in getting you approved then a typical lending bank. Bad Credit, No Credit, Repos, Bankruptcies, Fixed Income, No Paystubs we can help!

Do I need a huge down payment?

We set the financing criteria so we have a lot more flexibility in getting you approved then a typical lending bank. Bad Credit, No Credit, Repos, Bankruptcies, Fixed Income, No Paystubs we can help!

Is provable income a problem?

We have a lot more flexibility in income verification, call us and see what documents you can bring to replace a paystub.

Can I get approved with a prior bankruptcy?

Yes! Since we report to TransUnion credit bureau this is the perfect program for people right out of a bankruptcy looking to re-establish their credit!

Can I get approved with prior repossessions?

Car Credit’s low credit or no credit financing options allow you to get around the demanding credit approval process of other dealers.

Can I get approved if I have no credit?

Car Credit’s low credit or no credit financing options allow you to get around the demanding credit approval process of other dealers.

Are the vehicles for sale at Car Credit reliable?

Yes. A common misconception is that buy here, pay here dealers sell bad cars. On the contrary, because you make payments to us we are extra invested in making sure you drive off in a dependable vehicle. That is why we certify all our vehicles and offer a nice warranty. Other dealerships that sell your loan off to a bank have far less of an investment if your car breaks down or if your payments are out of your budget. 

Easy Financing

Why Choose Us

We understand that you need a reliable car. Having no credit shouldn’t keep you out of a nice, reliable car. And at Car Credit, it doesn’t. We stock our dealership with vehicles we’ve ensured are in excellent condition. That way you can be confident in your new car. Check out our selection today!

At Car Credit, we understand life has its ups and downs. If you’re going through hard financial times and it’s impacted your credit – maybe you’ve had a bankruptcy, Car Credit will work with you. We want to help you get back on the road.