How Does Bad Credit Happen?
Bad credit is often the result of unexpected life events, financial missteps or lack of credit history. At Guaranteed Auto, we understand how easy it can be to fall behind and how hard it can be to recover. We welcome first-time car buyers and those looking for a second chance at auto financing, because it's our mission to help Ohio drivers buy or lease the reliable used car, truck or SUV they deserve.
Our used car dealerships near Toledo don't let your credit score or financial history get in the way. When you come to Guaranteed Auto in Van Wert, Celina, Findlay or Defiance, you can get the subprime auto loan you need to build or rebuild your credit.
What Causes a Bad Credit Score?
Understanding how bad credit happens is the first step to fixing it. Here are a few of the most common reasons people find themselves with a low credit score:
- Missed or late payments on credit cards, loans or utility bills
- High credit utilization or using too much of your available credit
- Defaulting on loans or going into collections
- Bankruptcy or foreclosure
- Limited or no credit history, especially for young or first-time borrowers
- Unexpected life events, such as medical emergencies, job loss or divorce
These issues can lower your credit score and make it harder to qualify for traditional auto loans. That's where Guaranteed Auto comes in.
Rebuild Your Credit at Guaranteed Auto
We specialize in subprime auto financing for drivers across Ohio and Indiana. Our mission is to give everyone a second chance, no matter what their credit history. Here's how we help you move forward:
01
Lease-2-Own Program
Our exclusive Lease-2-Own Program gives you the flexibility to return your vehicle if life throws you a curveball with no penalties and no pressure.
02
Personalized Support
You'll be matched with a dedicated account manager who works with you one-on-one to customize a payment plan that fits your monthly budget.
03
Affordable Payments
Before approving a poor credit car loan, we help you review your income and expenses to ensure your loan payments, insurance and other costs are truly affordable.
04
No Hidden Fees
We're committed to transparent pricing and no hidden fees, so you always know exactly what you're paying for.
05
Repair and Maintenance Support
From 2-year/30,000-mile powertrain warranties to low-cost service plans with free oil changes, we've got your back long after you drive off the lot.
06
Collision Payment Financing
If you’ve been in an accident and can’t cover your deductible, we’ll step in and help finance your repairs interest-free.
07
Easy Payment Options
Whether you prefer to pay online, by phone, or in person, we offer multiple convenient ways to manage your auto loan payments.
Subprime Car Dealerships Near Me
Don't let past financial issues keep you off the road. Ask the Guaranteed Auto team about subprime loans for bad credit in Ohio and take the first step toward rebuilding your credit. We're proud to serve customers from across the Midwest with personalized, judgment-free financing solutions.