Open Today! 8:30 AM - 6:00 PM

Bad Credit Auto Financing in Fort Payne, Alabama

Special Financing

If you are a used car shopper near Gadsden or Scottsboro, AL who has less than stellar credit, then turn to Twin City Used Car Sales, located nearby in Fort Payne, AL. We not only specialize in providing local drivers with access to a vast selection of quality used cars for sale, but we also work with bad credit car buyers to find financing options. Locating viable bad credit car loans when you have a low credit score can be stress-free when you work with the finance team at Twin City Used Car Sales. We are your Chattanooga, TN area bad credit car dealership!

Apply for Bad Credit Car Loans

Car shoppers with low credit scores are sometimes hesitant to apply for used car loans, but here at Twin City Used Car Sales, we cater to drivers of all credit levels. With our in-house bad credit car loans, local drivers with less than stellar credit can find used car loan options that look beyond their credit score to seek financing approval. Our bad credit financing process takes into account financial details such as your debt-to-income ratio, your detailed credit history and the amount you can provide as your down payment. If you have a trade-in vehicle, that can help you provide a greater down payment, improving your chances of securing a sub-prime auto loan.

Our finance department staff have worked with all sorts of used car buyers, including drivers who have experienced financial setbacks, such as:

  • Bankruptcy
  • Repossesion
  • Foreclosure
  • History of missed payments

If you are still mulling it over, know that when you apply for bad credit financing at our used car dealership, your credit application is secure and confidential, and there is no obligation. Plus, when you secure bad credit financing through the finance department at Twin City Used Car Sales, you can start improving your poor credit score over time by making your car loan payments on-time each month.

Bad Credit Car Buyers near Chattanooga, TN Shop at Twin City Used Car Sales

Here at Twin City Used Car Sales, we are committed to helping bad credit car buyers get into the pre-owned vehicle of their choice. As you browse our current used car inventory here on our website, you will notice that we carry a vast selection of SUVs, pickups and cars from many automakers. Our complete used car inventory is here, waiting to be explored at our Fort Payne, AL dealership.

Begin the Sub-Prime Auto Loan Application Process Today

When you are ready to apply for a bad credit auto loan here at Twin City Used Car Sales, fill out our online credit application. Our convenient online auto loan application is the first step in the financing process, no matter if you are applying for a traditional or sub-prime auto loan, so apply for financing today. You could be driving home to Gadsden, AL or beyond in a quality used car before you know it!

Things you needed to bring with you or can email and print when you arrive:

  • Check stubs for W-2 Jobs, award letter for retirement, disability, and SSI for your income (all sources). If Self Employed 3 months Bank Statements.
  • Drivers License or State ID.
  • Insurance card or the ability to get insurance at the completion of the deal.
  • Money Down if you have it, you can write checks and use a card as well.
  • Trade information (If you have a trade) Title if paid off if not 10 Day Payoff, Bank Name, The Daily Per Diem on the loan.
  • Co-Signer-If you have a co-signer that doesn't mind helping, it will always make a deal better to have a well qualified second person, doesn't matter what the credit is, let us worry about that.
  • Optimism!! We have a Bank for every situation, so don't count yourself out, if there is a way we will find it, but either way we will have a path to a vehicle for you. Questions on Stipulations? Text 256-515-4648
Dealer Information
Twin City Used Car Sale 1015 Gault Avenue South Fort Payne, AL 35967 Get Directions
8:30 AM - 6:00 PM
8:30 AM - 6:00 PM
8:30 AM - 6:00 PM
8:30 AM - 6:00 PM
8:30 AM - 6:00 PM
8:30 AM - 6:00 PM