Buying with lower credit scores in Memphis, TN
Buying with Lower Credit Scores in Memphis, TN
Financing a vehicle is hard enough without the burden of past financial issues affecting your credit score. Those three digits don't change the way you look at those shiny new vehicles sitting in car lots as you pass by, and you have just as much need for reliable transportation as the next person.
That's why, here at Chuck Hutton Toyota, we work hard to help every customer come away happy, driving the car of their dreams. Has your credit score taken a beating in the past? Keep reading to find out, and keep in mind that it isn't the end of the road!
Graduating from College
While graduating from college doesn't necessarily "ding" your credit, many college grads don't have any credit history to establish a credit score in the first place. However, other factors like unpaid student loans or credit card debt can also negatively impact your credit score.
Whether you're a graduate of the University of Memphis, Rhodes College, Christian Brothers University or any other university in the area, we'll do our best to ensure you can drive home the car you love! In fact, in addition to our own expert financing department and reasonable interest rates, Toyota also offers a $500 College Graduate Rebate for qualifying customers!
Declaring Bankruptcy
Bankruptcy can be a pretty traumatic experience, both financially and emotionally. It can even affect your credit score for the next seven to ten years. But it doesn't have to keep you from rebuilding your credit and driving home your dream car!
At Chuck Hutton Toyota, we've worked with people from a variety of different financial backgrounds. Not everybody has an immaculate financial history, and we know that sometimes life gets complicated. We'll do our best to ensure that it doesn't stay between you and that great new Toyota model you've had your eye on.
Divorce
The act of divorce itself doesn't directly impact your credit score, but the financial details behind it sometimes can. From the loss of a two-person household income to alimony payments, there are a variety of issues that can arise from a divorce financially, adding on to what is already a painful experience.
Again, here at Chuck Hutton Toyota, we understand that. We know that life events can often create challenges, and sometimes those challenges affect people financially. We'll do our best to ensure something like this doesn't come in between you and a high-quality vehicle.
Vehicle Repossession
When someone's car is repossessed, it often has a very negative impact on their credit score. However, vehicle repossessions can happen to all different types of people, and it doesn't necessarily mean that that person is financially irresponsible. Anything from a layoff to unexpected medical expenses can lead to someone falling behind on their payments.
Nobody should be permanently held back because of past financial issues, especially when those issues arise from something unexpected. Our empathetic and highly-skilled finance department will work tirelessly to help ensure that you can drive home in that new Toyota you've had your eye on.
If you'd like to learn more, contact us today or stop by our dealership at 4601 Hutton Way, Memphis, TN 38116. We look forward to serving our customers near Southaven, Whitehaven and the Goodman Road Area.