These are some of the most common credit problems, what they mean and how they can impact your vehicle buying process. No need to worry. The credit experts at Credit Now Auto Sales have tons of experience helping people with bad credit get approved for an auto loan that will help them rebuild their credit score. At Credit Now Auto Sales we understand that sometimes good people get in bad situations and sometimes things happen that are out of your control. We will do everything we can to help you get approved and driving today.

  First Time Car Buyer

When you're a first time car buyer, chances are you have no revolving or installment credit history. This means you typically don't have a credit bureau score, which can make it difficult to get approved for an loan. We have experience working with first time car buyers and can help you get approved.


If a person has had a previous repossession, voluntary or in-voluntary, lenders will require that the repossession have occurred at least two years prior to the application for a loan. Even if you are still within that two year period, the credit experts at Credit Now Auto Sales may be able to help. Call us today to discuss your options on getting approved after a repossession.


A foreclosure will stay on your credit report for seven years. You can expect to see up to a 300 point decrease in your credit score, along with any other negative information may be there. While the decrease isn't permanent, it can affect how lenders see you. Credit Now Auto Sales has subprime financing lenders and may be able to help you get approved despite your foreclosure. We'll do everything we can to get you on the road with a vehicle you'll love and can afford.


When you don't pay your bills, companies don't have time or resources to chase after their money. Often they will charge off or sell your debt to a collection agency. The agency will then try to collect the money you owe. Debt collectors will call and send letters. Having a debt sent to collections can affect your credit score negatively. A lender may turn you down for a loan because you have bills in collections. We encourage you get your debts in collections paid off. At Credit Now Auto Sales we work with all types of credit and are experts at helping people, regardless of their credit situation.


Chapter 7 bankruptcy is a liquidation debt that takes three to four months from the filing date to discharge. We help you get financing despite having gone through this type of bankruptcy.

Chapter 13 Bankruptcy is also called a wage earner's plan. This type of bankruptcy is a re-organization of debts usually between one, three and five year terms. Learn more about how to get approved for an auto loan despite filing for Chapter 13 Bankruptcy.

Multiple Bankruptcies is when a person has one or more bankruptcies that have been filed and or discharged, either Chapter 7 and/or Chapter 13. There is still hope that we can help get you approved!

Rebuild your score

Building a good credit score takes time, probably at least six months of on-time payments.

Practice these good credit habits to build your score and show that you’re reliability:

  1. Make all of your payments on time. Bills that go unpaid may be sold to a collection agency, which will seriously hurt your credit.
  2. Keep your credit utilization low — utilization is your balance when compared to your limit. We recommend paying in full each month, but if do you carry a balance don’t let it exceed 30% of your credit limit.
  3. Avoid opening many new accounts at once; new accounts lower your average account age, which makes up part of your credit score.
  4. Keep accounts open for as long as possible.
  5. Check your credit reports for errors and discrepancies. Many credit cards will provide you your credit score monthly.

Credit Now Auto Inc

3815 University Drive
Huntsville, AL 35816
Phone (256)539-0550


Monday:9:00 AM - 6:00 PM
Tuesday:9:00 AM - 6:00 PM
Wednesday:9:00 AM - 6:00 PM
Thursday:9:00 AM - 6:00 PM
Friday:9:00 AM - 6:00 PM
Saturday:9:00 AM - 6:00 PM