Buying a car with bad or no credit
F&F Motors does not offer in-house financing, buy-here-pay-here or pre-approval, and we do not approve or turn down anyone for credit. Buyers with bad or no credit buy from us the same way everyone else does: they pay for the car, or they bring a loan from a bank or credit union that approved them.
- Pay for a lower-priced car22 cars under $5,000 right now.
- Bring your own loanWe give your lender a purchase order.
- Trade in a carIts value lowers what you need to pay or borrow.
- No in-house financingAnd no buy-here-pay-here.
1. Pay for a lower-priced car outright
A car you can pay for in full needs no credit at all. Right now 22 cars are priced under $5,000, starting at $1,990. See cash cars under $5,000 or cars under $10,000.
We accept:
- Cash in person
- Cashier’s check
- Money order
- Zelle
- Wire transfer
- Bank transfer (ACH)
- Debit or credit card
Lower-priced cars are older or higher-mileage, and every car is sold as-is with no warranty. Inspect it, test drive it and read its vehicle history report before you buy.
2. Get a loan from a bank or credit union first
Apply with your own bank or credit union, or another lender you choose, before you shop. Some credit unions work with members who are building or rebuilding credit; ask yours what it offers. Once you are approved, we give you a purchase order with the exact numbers your lender needs.
Compare the APR and the total cost of the loan, not only the monthly payment. The payment estimates on our site are estimates for a loan you arrange yourself, not a loan offer.
3. Lower the amount you need
A trade-in or a larger down payment reduces what you borrow. See how trade-ins work or get an online offer for your car, even if you still owe on it.
Is F&F Motors a buy-here-pay-here dealer?
No. A buy-here-pay-here dealer lends you the money itself and you make payments to the dealer. F&F Motors does not do that. Your payments, if any, go to the lender you choose.
Paying and financing questions
Does F&F Motors offer financing?
No. F&F Motors does not offer in-house financing. You can pay with a loan you arrange with your own bank, credit union, or another outside lender, and our team can provide a purchase order for your lender.
Can I get pre-approved through F&F Motors?
No. F&F Motors does not offer pre-approval. Apply directly with your bank or credit union; once you are approved, we can give you a purchase order with exact numbers.
Does F&F Motors do buy here pay here?
No. F&F Motors does not offer in-house or buy-here-pay-here financing.
How can I pay for a car?
Cash in person, cashier’s check, money order, Zelle, wire transfer, a bank transfer (ACH) through a secure payment link from F&F Motors, or a debit or credit card. You can also use a loan from your own bank or credit union, and apply a trade-in toward the price.
Are the monthly payment estimates on the site a loan offer?
No. Monthly payment estimates on fnfmotors.com are estimates only, for a loan you arrange yourself. Your actual rate, term, and payment come from your bank or credit union.
Can I buy a car from F&F Motors with bad credit or no credit?
Yes. F&F Motors does not finance in-house, so your credit matters only to a lender you choose. You can pay with cash or another accepted payment method, or bring a loan from a bank or credit union that approves you. Many buyers with bad credit choose a lower-priced car they can pay for outright; see fnfmotors.com/bad-credit-car-buying.
Still have a question?
Call or text the Gladstone team, or see more answers in our FAQ.