Bad Credit Financing

Bad Credit Financing at Premier Chevrolet of Carlsbad

Premier Chevrolet of Carlsbad supports its many residents of Temecula, Oceanside, and surrounding cities by providing flexible financial plans for those with bad credit, no credit, or first-time buyers. At our dealership there is so much to choose from and dozens of vehicles to best fit your lifestyle, whether it’s a brand-new Chevrolet Trailblazer or a pre-owned Chevrolet Colorado.

Find Your Best Finance Option

Our dealership offers several avenues for purchase for our customers with bad credit. Financial situations often change, and our team understands that many require flexible options when it comes to buying or leasing a vehicle. At our dealership, our financial team works to find financing options that can best fit your lifestyle and current circumstances as well as helping you take home your vehicle of choice. Multiple factors can lead to poor credit, and if the following has happened in the past there is still a chance for financing:

  • Divorce
  • Bankruptcy
  • Foreclosures
  • Asset repossessions
  • Payment delinquency

These are not necessarily disqualifying factors at Premier Chevrolet of Carlsbad. You can fill out your credit application either on our website or in person at the dealership. Once submitted, our customer service team may contact you regarding any additional information Surrounding your credit. In addition to your application, our finance team looks at several factors including:

  • Financial history
  • Debt to income ratio
  • Required borrowing amount
  • Overall credit score

Subprime Loans

Another flexible option for customers with bad credit or who are first time buyers is a subprime loan. A subprime loan is a loan offered at a rate above prime to individuals who do not qualify for rates often provided by commercial banks for people with high credit scores. Premier Chevrolet of Carlsbad has helped many residents qualify for financing using subprime loans. Our finance team can work with your current situation to find loan terms that match your financial limitations. Contact our finance team to get more information about the subprime loan and how it can best work for you.

Quick and Easy Approval

Premier Chevrolet of Carlsbad makes the pre-approval process easy and convenient. Our application can be found online and can be filled out anywhere that you have access to either a mobile phone or a PC. You can also visit the dealership for a more hands-on experience. When your application is submitted, we can answer any further questions you may have about our approval process as well as what your best financing options are.

Trade-ins are an excellent way to lower the down payment when shopping for a new vehicle. There are many factors when valuing a trade in vehicle, most notably the model year, overall condition, current mileage, title history, and more.


Our expert finance team at Premier Chevrolet of Carlsbad is ready to help you take home your favorite Chevrolet and can offer you financing terms that can match your financial situation. Look at our available options for bad credit, and how we can get you into your next Chevrolet vehicle.