Faith's Toyota/Ford Westminster, VT 802.889.8870     

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Guaranteed Credit Approval As Low As $99 Down

A close up of a car key is shown on paperwork for a bad credit auto loan near Greenfield, MA.For most people, a car isn’t a luxury item; it’s a necessity. If you need a vehicle to get to and from work, then you can’t let a low credit score prevent you from getting one. Unfortunately, it can be hard to find good financing options when you don’t have a high credit score. But if you’re looking for bad credit auto loans near Greenfield, MA, you can head to Faith’s Ford or Faith’s Toyota to get behind the wheel of a great car, truck, or SUV with a loan that works for your budget.


At Faith’s Automotive, we believe that everyone who needs a vehicle should be able to get a reliable model that works for their needs and their budget. We also know that there are many honest, hard working people out there who have landed on hard times in the past and suffered a drop in their credit scores as a result. That’s why we’re ready to go the extra mile for you and use all the resources at our disposal to help you get set up with a vehicle and a loan that are right for you.


We Help Greenfield Drivers Build Back Their Credit


When your credit score gets low, it can be hard to restore it. In order to rebuild your credit score, you need to get approved for a new line of credit that you can afford to pay off on time. But having a low credit score makes it much more difficult to get approved for any new lines of credit, which can make trying to improve your score a frustrating experience. Sometimes you just need a break in order to turn things around.


In a tight-knit city like Greenfield, the value of community is always front and center, and at Faith’s Automotive, we don’t just see you as a customer but as a member of our community. So if we can do something to help you out of a bad situation, we’re going to step up and try to get you back on your feet. And with our connections, there’s a lot that we can do.


Our finance team doesn’t just work to build strong relationships with drivers; they’re also on great terms with our surrounding financial institutions. They can reach out to their contacts and compare a number of different offers to get you the lowest rate possible. When you shop at Faith’s Toyota or Faith’s Ford, you get to take advantage of a team of professionals who are in your corner from start to finish. It may take a little extra work to find a good deal for a person with low credit or no credit at all, but we’re always willing to put in the effort for everyone who chooses to work with us.


A woman is excitedly sitting in the front seat of vehicle at a dealership.Our Dealerships Offer a Vast Selection of Vehicle Options


Here at Faith’s, we have two great dealerships that you can work with: Faith’s Ford and Faith’s Toyota. Instead of browsing the lineup of just one brand, you can get twice as many options by widening your scope to two. You can search both Ford and Toyota options here on our website and see what our current inventory is before you head up I-91 to see us in person.


Ford is an American automaker that has been producing quality vehicles for over a decade. You can find sturdy trucks that are great for hard jobs or bringing plenty of equipment to Barton Cove for a weekend camping trip, like the full-size F-150, midsize Ranger, and compact Maverick. Ford also makes a variety of SUVs that come in all shapes and sizes, like the Edge, Escape, and Expedition. The spacious interior lets you bring plenty of cargo along for the ride and is useful for keeping costs low during a move or skipping a delivery fee when purchasing furniture.


Toyota is a company that’s well-known all over the world for creating reliable vehicles. That means you won’t have to worry about spending an arm and a leg on maintenance, and you can keep driving the same model for many years and miles ahead. Like Ford, Toyota has a great selection of trucks and SUVs with high towing and hauling capacities and is ready to tackle the elements. But if you commute to Springfield every day for an office job or weekend trips to the coast, you might care more about getting good fuel economy so you don’t have to spend so much money on gas. If so, you can consider the great cars in Toyota’s lineup, like the compact Corolla, the midsize Camry, or the hybrid Prius.


In our used inventory, you can find plenty of Toyota and Ford options, as well as vehicles from other automakers like Chevrolet, Jeep, and Subaru. Used vehicles tend to be more affordable than new ones, which means your monthly loan payments will be more manageable. On our website, you can even filter by total price or by monthly payment so that you can narrow your options down based on your budget.


A salesman is shown preparing paperwork for an auto loan.

Some Commonly Asked Questions About Financing


Can I Get a Loan for a Used Car?


Financing isn’t just for new vehicles. You can absolutely get an auto loan to help you pay off the cost of a used car, truck, or SUV over time. By breaking the price down into monthly payments, it’s easier to fit the expense into your budget. Used vehicles tend to be more affordable than new ones, so the monthly payments tend to be lower as well.


Should I Be Worried About High Interest Rates?


If you have low credit or no credit, it’s true that you probably won’t be able to get the same low interest rate that someone with a higher credit score could get; but that doesn’t mean that you can’t get a plan with a reasonable interest rate. Our finance team is dedicated to getting you the very best rate possible, so you can make all of your payments on time and bring your credit score up, which can help you get an even lower interest rate the next time you buy a car.


What’s a Co-Signer?


A co-signer is a person who signs onto the loan agreement alongside you and essentially vouches for your ability to repay the loan. A co-signer takes responsibility for the loan, agreeing to make payments if you default. If you have a close friend or family member who has good credit and is willing to cosign on your loan, that can open up more financing options for you and help you get a lower interest rate.


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Get an Auto Loan That Works for Your Budget Today


Being able to get around is a necessity in this day and age, no matter what your credit score is. That’s why we work hard to provide drivers in all kinds of financial situations with automotive solutions that work for them. Our dealerships have all kinds of models in a wide range of price points, so you can find something that fits your needs and budget.


We know that Greenfield drivers are extremely busy, which is why we make it easy for you to get a vehicle with a shopping experience that works for your schedule. You can use our website to browse our inventory and sort by price range to narrow your options down to models that are a good fit for your budget. We also have online tools to let you apply for financing and value your trade-in vehicle. And, of course, you can always give us a call for more personalized help with your particular situation. Having credit issues shouldn’t get in the way of having a reliable car; contact us today and let us help you get behind the wheel of a great, affordable vehicle.