About Us

Why Choose Advantage Car and Credit?

Advantage Car & Credit is dedicated to providing you with the easiest, low pressure, hassle-free automobile shopping experience possible. Plus, we want your great experience to continue after the sale by providing you with a safe, reliable and great-looking car, van or truck you can be proud of. Also, should your vehicle ever need service, we have a fully staffed service garage with discounted rates at your disposal.

The bottom line . . . don’t let your credit challenges stop you from getting the great car you deserve. At Advantage Car & Credit, we understand this economy has caused many good people to lose their good credit. Let us help you with both a great ride AND the ability to rebuild your good credit.

The answer is YES, or YES IF. You don't need perfect credit to finance through Advantage Car & Credit. All of our experienced customer advocates know that good people just like you have credit ratings of all shapes and sizes. We believe that everyone deserves to drive a beautiful and reliable vehicle, regardless of their credit history, and we work hard to approve our customers so that can be the case.

Start by filling out and submitting our online application. You can also call or stop in at the dealership and someone will gladly work with you to start or complete your application.

We will consider approvals based on several factors like: time on the job, ties to the area, your monthly income and expense, ability to pay, explanation of credit history, and the honesty and accuracy of the information you give us. To get started, you will need:

  • A valid state or government-issued ID card or current passport. For example, a valid state driver’s license.
  • Proof of income (a hard-copy check stub less than 30 days old, proof of check from the government, proof of regular payments from elsewhere).
  • Proof of residency (rent receipt or a copy of a utility bill).
  • Current Phone bill.
  • Four references (with complete contact info).
  • Title of a vehicle if one is being traded-in.
  • Cash for your down payment.

  • We can usually have your loan application approved and be driving the same day. and you’ll be on the road in your new vehicle the same day.

    We run a soft-credit pull during the pre-approval process, that does not impact your credit score. However, a formal credit pull is necessary for the final approval process with our financing company. This process allows us to establish your account and report your on-time payments to the credit bureaus as we assist you in rebuilding your credit.

    Yes; Because of our special relationship with our lender, we can still get you approved even with prior repossessions.

    No problem. You’ve come to the right place. We specialize in financing customers with less-than-perfect credit scores or even no credit at all. Our finance company considers a number of key factors during the underwriting process for approval; not only your credit history or your credit score.

    Get Approved



    All internally lubricated parts, Engine Block, Cylinder Head(s) if damaged as a result of a mechanical failure to an internally lubricated part and intake/Exhaust manifolds; Mounts, Expansion Plugs; Pulleys; Harmonic Balancer; Oil Pan; Timing Chain Cover; Valve Cover(s); Water Pump; Thermostat and Thermostat Housing.


    All internally lubricated parts; Gear Cases and Housing if damaged as a result of a mechanical failure to an internally lubricated part; Torque Converter; Flywheel/Flex Plate; Vacuum Modulator Valve; TV Cable; Mounts; Oil Pan; TCM; Solenoids; Cooler and Metal Cooler Lines.


    All internally lubricated parts; Gear Cases and Housing if damaged as a result of a mechanical failure to a lubricated part; Axle Shafts and Bearings; C.V. and Universal Joints; Propeller Shafts; 4WD Actuator.


    (Factory Installed Only) All Internally lubricated parts including the Turbine; Turbine Shaft; Valves and Housing if damaged as the result of a mechanical failure to an internally lubricated part.