Credit Assistance

Understanding Your Credit Options

Life throws curveballs; medical bills, job changes, or unexpected expenses can impact your credit score. Bad credit situations happen to good people, and our finance specialists see it all the time. We encourage honest, transparent discussions about rates and payments, as they set the foundation to a growing financial power.

Having minimal credit history can feel like a catch-22 - you need credit to build credit, but you need credit history to get credit. Our team specializes in helping first-time buyers and those with thin credit files establish themselves in the automotive financing world.

Our finance specialists have built relationships with lenders who understand these realities and offer second-chance financing.

Flexible Financing Solutions

Our finance center professionals can connect you with institutions that look beyond just numbers and consider your current situation. We work with lenders who consider your current ability to pay rather than just your past credit history.

Because of our broad network, we can offer a variety of rates and terms. Our connections with these institutions allow you to browse through potential options before finding one that suits your needs. This is how we customize the financing process to match your specific situation.

Even situations involving limited documentation get special attention. Our experienced finance team knows which lenders work with alternative income verification methods and can help structure deals that make sense for your unique circumstances.

Getting Started with Your Application

Drivers looking to be approved for a loan can get a jump on the process by filling out our credit assistance application.

This form asks for your name and contact to ensure we can reach you quickly with financing options. We also ask if you have a trade-in vehicle, as this can often help reduce the amount you need to finance and may strengthen your application.

If you have experienced bankruptcy in the past, we need to know this information because it helps us connect you with lenders who specialize in post-bankruptcy financing and can offer appropriate terms for your situation.

Another important question on our form is whether you have a cosigner available. A cosigner can be extremely helpful for those with an iffy credit history, as they provide additional security for the lender. This person would agree to take on the loan if the primary borrower stops making payments, which often opens up better rate options and increases approval chances.

Apply for Credit Assistance

Volkswagen of New Port Richey stands ready to help you navigate the approval process and answer any questions about credit assistance options. Our years of experience working with diverse credit situations around Trinity and Clearwater, FL, mean we understand the challenges you might face and have solutions ready.

Contact our team with any questions!