Automotive Loan Solutions for Drivers Concerned with Poor or No Credit

Nothing can sideline your dreams of owning a new Subaru faster than bad or unestablished credit. If you're concerned that your poor credit score will get in the way of driving a new Subaru, we're here to tell you that we have an array of financial solutions available, regardless of your credit score.

If your credit isn't perfect, you're certainly not alone. Bad times fall on good people all the time, and it's nothing to be ashamed of. While it can feel like a hopeless prospect trying to get approved for an auto loan with not-so-great credit, there's good news. Special bad credit car loans are available for people in this predicament. The financing team at Balise Subaru works with several loan providers who are willing to work with buyers who have credit challenges.

We understand that most people find themselves with a low credit score because of temporary challenges that come from common life situations: job loss, divorce, unexpected expenses, and more. And since most people need a vehicle to get to work to earn the money to improve their financial standing (and ultimately raise their credit score), we'll do all we can to secure a loan for buyers in the fair or poor credit categories. If you're in the market for a new or preowned Subaru but have hesitated to apply for financing because you assume you'll be rejected, call us now. One of our helpful and knowledgeable financing representatives will be happy to talk with you and find a solution that gets you into some new transportation.

Frequently Asked Questions

Is there a minimum credit score that you're willing to work with?
We focus on the solution, not so much the three digits of your credit score. While the score is an important part of determining a buyer's credit worthiness, there are other big factors, too, starting with your current income. A conversation with one of our loan reps is the best place to start. Just reach out to our team by phone or online to get the process started!

Will my credit score go even lower if I open more credit with a car loan?
Actually, the opposite will happen as long as you make every payment on time! Your credit score will inch upwards as you make your payments and pay down any other debt that you have. It's important to resist opening other credit, though, because more accounts and more debt will have a negative effect on your score.

How can I make payments on time if I'm approved?

We highly recommend that you set up automatic debit for your car payments (the lender might even require this as part of your loan terms). You should also develop a monthly budget and stick to it. Your budget will clearly show you how much money you need for necessities, how much you should save, and so on. If you need help getting started, there are plenty of free websites that deal with simple budget planning.

The Financing Pros at Balise Subaru Are Ready to Help You Get a Car Loan

Are you ready to learn more about financing at Balise Subaru? We're eager to help you start the process, so fill out our online form or give us a call today. Every day, we help credit-challenged drivers in Warwick, West Warwick, Providence, Cranston, Pawtucket, South Kingstown, and all of Rhode Island get into the car they've been dreaming of.

Balise Subaru

561 Quaker Lane
Directions West Warwick, RI 02893

  • Sales: 401-352-5909
  • Service: 401-200-6691
  • Parts: 401-780-3491


  • Monday 10:00AM-8:00PM
  • Tuesday 10:00AM-8:00PM
  • Wednesday 10:00AM-8:00PM
  • Thursday 10:00AM-8:00PM
  • Friday 10:00AM-8:00PM
  • Saturday 9:00AM-6:00PM
  • Sunday Closed

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