We Work With All Credit Situations

No matter your credit history, we have financing solutions for:

• Bankruptcy
• Foreclosures or late payments
• First-time buyers with no credit
• Individuals without a Social Security Number

Why Choose Bay Ridge Honda for Financing?

At Bay Ridge Honda, we pride ourselves on offering a personalized, welcoming experience for all our customers. Whether you’ve had credit challenges or are new to financing, our dedicated team is here to help you every step of the way.

• Access to 50+ Local and National Lenders: With our extensive network of lenders, we offer financing options for all credit types, from prime to subprime, ensuring you can find a loan that fits your unique financial situation.
• Tailored Financing Options: No two financial situations are the same. We take the time to understand your needs and customize financing plans that work for you, whether you’ve faced bankruptcy, late payments, or other credit challenges.
• Multilingual Finance Team: Our friendly staff speaks multiple languages, including Spanish, Chinese, Arabic, and more, ensuring clear communication and support throughout the financing process, especially for non-English speakers.
• Expertise in Non-Citizen Financing: If you don’t have a Social Security number but have an ITIN (Individual Taxpayer Identification Number), we can still help. Our team is highly experienced in working with non-citizen buyers and can guide you through the process of securing a car loan with an ITIN.
• Credit Rebuilding Specialists: For customers looking to rebuild their credit, our team offers guidance on improving your credit score and securing a loan that contributes positively to your financial future. We’ll work with you to create a plan that supports both your credit recovery and vehicle needs.
• Fast and Easy Approval Process: We know your time is valuable. That’s why we’ve streamlined our financing process to provide quick approvals, even for those with credit issues. Our goal is to get you on the road as soon as possible with a financing plan that works for you.
• Second Chance Car Loans: We believe in providing second chances. Our second chance loan options are designed for those looking to recover from past financial issues while still getting reliable transportation.
• Low Down Payment Options: Worried about a large upfront cost? We offer low down payment options that fit your budget, ensuring that you don’t have to put off buying a car because of financial concerns.

Can I get financing if I’ve had a bankruptcy?

Yes! We work with a variety of lenders who specialize in offering loans to individuals with past bankruptcies. Our finance team will help you explore your options to find a loan that fits your situation.

Can I get financing for a used vehicle if I have had late payments or a foreclosure?

Absolutely. We understand that credit history doesn’t define you, and we have partnerships with lenders who consider your current financial health rather than just your past. Let us help you find a used vehicle and financing plan that suits your needs.

Can I get financing without a Social Security Number but with an ITIN?

Yes, we can help! Many of our lenders accept an ITIN in place of a Social Security Number. We are experienced in working with non-citizen customers, and we can guide you through the financing process using your ITIN.

What is the minimum credit score needed to get financing?

While there isn’t a strict minimum credit score required, your score can affect your interest rate. At Bay Ridge Honda, we have lenders who work with a range of credit scores and can help you secure a loan even with less-than-perfect credit.

How can I improve my chances of getting approved for a car loan?

To improve your chances, be prepared to show stable income, reduce outstanding debts, and provide a down payment. Our team can also provide guidance on building or repairing your credit to ensure the best possible loan terms.