Bad Credit? No Credit?

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We specialize in saying Yes when other dealers say no!

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Complete this quick form, and one of our sales experts will walk you through the process of getting approved for your next vehicle!

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View our massive pre-owned inventory to find the vehicle that fits your personal style and budget!

Getting approved for an auto loan is easier than you think; Even with bad, or no credit. Looking for a financial reset? We work with numerous lenders to find your best option and help you build a successful financial future. At Buffalo Credit, your past doesn't define your future.

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Why Choose Us?

We specialize in helping people of all ages, backgrounds, and credit!

We work with an extensive network of national & local lenders to expedite.

We have access to a massive selection of vehicles to meet everyone's.

We custom tailor your loan terms to meet your needs and budget.

Frequently Asked Questions

Q: I'VE HAD A BANKRUPTCY. CAN I STILL GET APPROVED?

A: Yes! Even if your bankruptcy was discharged yesterday, we can help get you approved for a loan.

Q: I'VE NEVER HAD CREDIT BEFORE. CAN I STILL GET APPROVED?

A: Yes! As long as you have verifiable income, we can help get you approved.

Q: I'VE HAD A REPOSSESSION. CAN I STILL APPROVED?

A: Yes! Even if your repossession was yesterday, we can help get you approved for a loan.

Q: WHAT IS VERIFIABLE INCOME?

A: Printed pay stubs showing deductions, proof of unemployment insurance, proof of fixed income status such as SSI or SSD, proof of workers compensation.

Q: WHAT IF I'M SELF-EMPLOYED?

A: As long as you can prove your income with bank statements showing deposits, or canceled checks that you received.

Q: DO I NEED A DOWN PAYMENT?

A: Most people do need some cash down. That is how the bank gets comfortable with loaning you the rest of the money needed to purchase the vehicle you want.

Q: HOW MUCH OF A DOWN PAYMENT WILL I NEED?

A: The amount of your down payment is determined by the bank giving you the loan. It's different for every customer and depends on several different factors like: Credit History, Length of Employment, Vehicle Choice, and more. We will work with you to find the right vehicle with the right down payment for the right monthly payment for YOU!

Q: WHAT IF I HAVE A TRADE-IN?

A: Wonderful! We take trade whether they are running or not. We will appraise the trade value of your vehicle and apply that towards your down payment. Often, we have customers whose trade is worth enough that they don't need any additional cash to get the vehicle they want.

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