Financing a Used Car with Bad Credit in Bemidji
Yes, You Can Get Financed—Even with Bad Credit
We hear it all the time: "I need a car, but my credit isn't great." Here's the truth—having less-than-perfect credit doesn't mean you're stuck without reliable transportation. At Ryan's Auto Solution in Bemidji, we work with multiple lenders to help everyone get approved.
Understanding Your Credit Situation
Credit Score Ranges:
Your Financing Options
1. Subprime Auto Lenders
Many lenders specialize in working with credit-challenged buyers. Yes, rates are higher, but you get a reliable vehicle AND the opportunity to rebuild your credit.
2. Buy-Here-Pay-Here
Some dealerships offer in-house financing where your payment history is reported to credit bureaus, helping you rebuild.
3. Co-Signer
If you have a family member or friend with good credit willing to co-sign, you can often get better rates.
4. Larger Down Payment
Putting more money down reduces lender risk and can get you approved when you otherwise wouldn't be.
How Ryan's Auto Solution Can Help
We work with a network of lenders who specialize in all credit situations:
Tips for Getting Approved
1. Bring proof of income: Pay stubs or bank statements
2. Provide references: Personal and employment
3. Have a down payment ready: Even $500-$1,000 helps
4. Bring utility bills: Proof of residence stability
5. Be honest: We've seen it all—no judgment here
Rebuilding Your Credit
Making your car payments on time is one of the fastest ways to rebuild your credit score. Many of our customers see significant improvements within 12-18 months.
Get Started Today
Don't let credit worries keep you from reliable transportation. Contact us at (218) 469-0183 or stop by 325 Oak Hills Rd SE in Bemidji. We'll work with you to find a solution.
*Helping Bemidji, Walker, Cass Lake, and all of Northern Minnesota get on the road.*