Achieving Car Ownership is Easier Than You Think, Even with Bad Credit

Getting a car even if you have bad credit might seem like a battle. Don't worry, there's a lining! At Upper James Toyota, we understand that life can throw curveballs, which is why our financing managers (F&I) are dedicated to supporting you throughout the process and making it as smooth as possible.

Trust in Our Expertise

Rest assured that you're in good hands. Our F&I has experience and strong connections with a variety of lending institutions. We've helped individuals with credit backgrounds secure reliable vehicles. You're not another applicant to us; you're a valued customer who deserves a chance, and we're here to give it to you.

Documentation Made Simple

We understand that paperwork can be overwhelming at times. Fear not! We'll be there every step of the way to assist you. Just gather your income proofs, employment records and any other necessary documents. Our financing managers will sit down with you personally to ensure everything is in order and address any concerns or questions you may have. It's important for us that you feel confident knowing that all your efforts are being put forward.

Co Signing; A Friendly Boost

Having a co-signer can greatly increase your chances of loan approval. Our F&I are available to explain the process to both you and your potential co-signer ensuring that everyone feels comfortable and well-informed before making such a decision. Remember, having a co-signer is not a formality; it's a partnership that we actively support to benefit you.

Flexible Down Payments and Rates

While making a payment can enhance your loan prospects, we understand that not everyone has the means to do so. Our F&I are skilled at creating loan packages that are realistic for your situation. Even if you have interest rates due to your credit score we will strive to negotiate the favorable terms possible for you.