How To Get a Car Loan With Bad Credit

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If your credit score is a little less than perfect, Rick Hendrick City Chevrolet can help you get into the car of your dreams. Maybe you’ve been wondering how to get a car loan with bad credit. Our finance specialists near Gastonia are ready to help you get a car loan, even with bad credit. We invite you to fill out a financing application to get the process started, and check out our tips for securing a car loan with bad credit down below.

How to Get a Car with Bad Credit: Getting Started

Once you have pre-approval for a car loan, you can start shopping for the new Chevrolet vehicle that is right for your lifestyle and budget. Rick Hendrick City Chevrolet will do everything possible to make the car-buying process stress-free and straightforward. Contact us today and get into the vehicle of your dreams.

Steps to Get a Car Loan with Bad Credit

You can do some simple things to make getting a car loan with bad credit a bit easier. Follow these steps, and soon you’ll be behind the wheel of your new vehicle!

  • Try to clean up your credit by starting to pay down any existing debts.
  • Figure out your budget so you know how much you can afford for a car payment each month. Once you determine your budget, our monthly payment calculator will help you confirm whether the vehicle you’re interested in meets your monthly limit.
  • Save as much money as you can so you can put down a larger down payment.
  • Don’t choose a new vehicle that’s over your budget.
  • Explore all of your available finance options, including leasing, which may be easier with bad credit.
  • Give us a call and talk to a finance expert for personalized advice.

How to Improve Your Credit Score

Now that you know how to get a car with bad credit around Concord, it’s still essential to improve your credit score because it will make it easier to qualify for lower interest rates. Be sure to pay your bills on time. This will help improve your credit score and help you get better interest rates on your new vehicle purchase!

Get a Car with Bad Credit at Rick Hendrick City Chevrolet Today!

If you live near Rock Hill, SC, Rick Hendrick City Chevrolet can help you get a car with bad credit today. Need to trade in your current car? No worries. We’ll give you a fair price on your trade-in. There are also some fantastic new vehicle specials to help make the car-buying process more affordable. Check out our inventory online or come into the showroom to get the process started. Shopping for a new or preowned car has never been easier! We’re here to help you every step of the way. So, what are you waiting for?

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Hendrick Vehicle Disclaimer:
$899.00 Dealer Administrative Fee included in advertised price.

All prices exclude all taxes, tag, title, registration fees and government fees. Out of state buyers are responsible for all taxes and government fees and title/registration fees in the state where the vehicle will be registered. All prices include all manufacturer to dealer incentives, which the dealer retains unless otherwise specifically provided. Dealer not responsible for errors and omissions; all offers subject to change without notice; please confirm listings with dealer.

All vehicles may not be physically located at this dealership but may be available for delivery through this location. Transportation charges may apply. Please contact the dealership for more specific information. All vehicles are subject to prior sale.

Additional Disclaimers:
Well-qualified customers who purchase a new, used, or certified pre-owned vehicle, 4 model years or newer with less than 60K miles between September 1, 2026 and November 2, 2026, and finance through a participating dealer and lender have the option to defer monthly payments for 120 days from contract date. Excludes Hendrick Performance vehicles. Finance charges begin to accrue on the date you sign the Retail Installment Sale Contract at the Annual Percentage Rate (APR) disclosed in the contract. May not be combined with other preferred lender financing offers. 75 months maximum term limit. Equal monthly payments only. Not available to Pennsylvania residents; see your dealer for details. Must take retail delivery by November 2, 2026. See dealer for complete down payment and interest rate options and details. Financing available to qualified buyers. Some exclusions apply. See dealer for complete details. 

*Finance charges accrue from date of financing, as applicable. Deferred monthly payments for 92 days. 0% APR for 60 months. Monthly payment is $16.67 for every $1,000 you finance. Example down payment: 6.6%. Must finance with GM Financial. Down payment required at signing, if applicable. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 11/4/26. **Example based on national average selling vehicle price. Each dealer sets own price. $179/month for 24 months. Your payments may vary. Payments are for a 2026 CHEVROLET Trailblazer FWD LT with an MSRP of $26,295. Based on due at signing amount of $7,216 (after all offers). 24 monthly payments total $4,296. Option to purchase at lease end for an amount to be determined at lease signing. Lessor must approve lease. Take new retail delivery by 11-04-2026. Lessee pays for maintenance, repair, excess wear and disposition fee of $395 or less at end of lease. No security deposit required. Payments may be higher in some states. Not available with other offers.

*Finance charges accrue from date of financing, as applicable. Deferred monthly payments for 92 days. 0% APR for 60 months. Monthly payment is $16.67 for every $1,000 you finance. Example down payment: 6.6%. Must finance with GM Financial. Down payment required at signing, if applicable. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 11/4/26. **Example based on national average selling vehicle price. Each dealer sets own price. $329/month for 24 months. Your payments may vary. Payments are for a 2026 CHEVROLET Silverado 1500 Crew Cab 4WD LT w/TurboMax with an MSRP of $53,795. Based on due at signing amount of $8,998 (after all offers). 24 monthly payments total $7,896. Option to purchase at lease end for an amount to be determined at lease signing. Lessor must approve lease. Take new retail delivery by 11-04-2026. Lessee pays for maintenance, repair, excess wear and disposition fee of $395 or less at end of lease. No security deposit required. Payments may be higher in some states. Not available with other offers.

*Deferred monthly payments for 92 days. Deferred payments not available in PA. 1.9% APR for 36 months. Monthly payment is $28.60 for every $1,000 you finance. Example down payment: 14.5%. Must finance with GM Financial. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 11/4/26. **Example based on national average selling vehicle price. Each dealer sets own price. $179/month for 24 months. Your payments may vary. Payments are for a 2026 CHEVROLET Trailblazer FWD LT with an MSRP of $26,295. Based on due at signing amount of $7,216 (after all offers). 24 monthly payments total $4,296. Option to purchase at lease end for an amount to be determined at lease signing. Lessor must approve lease. Take new retail delivery by 11-04-2026. Lessee pays for maintenance, repair, excess wear and disposition fee of $395 or less at end of lease. No security deposit required. Payments may be higher in some states. Not available with other offers.

*Offer ends 11/30/2026. See participating GM Dealerships for details and list of tire brands. Purchase and installation must be made at a participating U.S. GM Dealer. Highest or equal value tire will be $1. Maximum consumer purchase price of $450 per tire. Additional taxes and fees may apply. Offer subject to availability and may change at any time. Limit one offer per VIN. No other tire offers apply. DEALER INSTRUCTIONS: For each valid tire offer redeemed at your dealership 10/1/2026-11/30/2026, claims for reimbursement can be submitted via the GM Tire Central website.
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