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Peter Boulware Toyota of Columbia wants to help you find the best car, truck, or SUV for you and your family, even if you don’t have perfect credit. We are often able to help people get credit to buy a car who have had difficult credit situations including bankruptcy. Using all of our bank and credit union relationships, we will work to find a good loan for you and develop a program to help you rebuild your credit history. Don’t go to a Buy Here, Pay Here lot, when you can come to a reputable car dealership like Peter Boulware Toyota of Columbia.
Don’t let credit challenges prevent you from getting the vehicle you need. Whether you require transportation for work, family obligations, or personal use, our experienced finance team will find a car and loan solution that fits both your credit situation and budget. At Peter Boulware Toyota of Columbia, we successfully work with buyers facing all types of credit challenges:
We believe everyone deserves reliable transportation and fair financing options, regardless of credit history. Visit us today to discover how we can help you drive away in a quality vehicle with manageable payments.
When preparing to finance a vehicle at a dealership, bringing the right documentation can streamline your approval process and help you secure better terms. This is especially important for subprime borrowers, who face additional requirements due to the higher risk they present to lenders. Remember to bring a co-signer if your credit is less than ideal, as this can significantly improve your chances of approval and help you secure better loan terms.
Valid Driver’s License
Check that your license is valid (not expired, suspended, or revoked) and that its address matches your current residence.
Proof of Income
A recent pay stub with year-to-date earnings is acceptable. Self-employed? Provide two years of professionally prepared tax returns.
Proof of Residence
A recent utility bill—such as for water or electricity—is acceptable, as long as it includes your name and matches the address provided.
Insurance Information
Be sure to include your agent’s name and a reliable contact number. You won’t need to add a new vehicle to your policy until it has been approved.
Personal References
List someone who knows you personally, like a friend or family member. Include their full name, address, and phone number.
Down Payment
Bring cash, debit, a cashier’s check, or a trade-in to lower your loan. If trading in, bring the title or loan details.
Subprime lenders require extra verification due to the increased risk. Be prepared with:
