About Car Credit

Welcome To

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Joplin Buy Here Pay Here Dealer

About Our Dealership

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.

Quality Dependable Vehicles

Customers of ours have varying financial statuses, such as no credit record, bankruptcy, or low credit. The good news is our process isn’t based on credit history. In-house dealer financing at Car Credit is offered based on your personal income. If you make $1,300 or more each month and don’t already have a car loan, we can help set you up with a certified quality used vehicle. We certify all of our used cars and offer a 3,000 mile warranty on all of them.

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.

Will I Be Approved FAQ’s

What is required to get approved?

Customers typically must have a valid driver’s license, at least $1300 in provable monthly income and have no other current open car loans to be eligible for our in-house financing. 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. If you have bad credit, no credit, repossessions, bankruptcies, fixed income, and no pay stubs we can help!

Do I need a huge down payment?

No, our down payments are flexible to help you get the transportation you need. Call us to learn more about our low down payments.

Is provable income a problem?

We have a lot of 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, you’re still eligible to buy from us. Car Credit is a buy here, pay here car dealership, so we can approve you based on other information like monthly income. In fact, Car Credit can help you reestablish a good credit history.

Can I get approved with prior repossessions?

Yes! Prior repossessions make it hard to get auto financing; at Car Credit we can help put that behind you with a good car loan on your credit! 

Can I get approved if I have no credit?

Yes, 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.