Jul 31, 2025
Thelen Honda Can Work With Individuals With Less-Than-Perfect Credit
Shopping for a vehicle when you are experiencing affected credit can be a stressful and daunting thought. However, there is nothing to worry about when you shop with Thelen Honda in Bay City, MI. Our finance experts are eager to assist you in finding the best possible finance rates for your credit. While we can’t guarantee approval, we make every effort to find fiinancing for you, whether you are experiencing slow credit or no credit. Below, we will go over some of our tips for shopping with a lower credit score. Stop into our mid-Michigan dealership when looking for your next preowned or new Honda model!
Things to Know When Shopping with a Lower Credit Score
- Higher Average Monthly Payments – An unfortunate side effect of a lower credit score is a higher monthly interest rate. With a higher interest rate, you have to pay more per month compared to someone with similar terms and a better credit score. However, there are ways you can reduce the monthly payments. For example, you can put more money into your down payment, and this will reduce your monthly payments. If you have a current vehicle you’re planning on trading in, this is another great way to reduce the monthly payments.
- Pick the Style of Vehicle You Need & Fits Your Budget – To get a head start on rebuilding your credit, you need to shop for a vehicle that comfortably fits into your budget. While this could mean picking a vehicle with higher miles than you’d normally like or omitting features you would like to have, the financial benefits will quickly prove their worth. If you would like help finding out what vehicles you can comfortably afford on your budget, feel free to speak with one of our sales or finance experts. They will make sure you’re getting into a vehicle that works for you and that you’ll enjoy.
(Photo Credit: PEXELS)
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