PETTUS Credit Driver has the finance programs to get you on the road, even with less than perfect credit. We are here to make your car buying experience convenient and hassle free.
If you're living in Arnold, Missouri and struggling with a low credit score, repossessions, bankruptcies, or no credit history at all, you don’t have to settle for less when it comes to your next vehicle. Our team is proud to serve drivers from Arnold and the surrounding Jefferson County communities with bad credit car loans, second chance auto financing, and a wide range of quality used vehicles that are backed by real lending solutions.
We understand that life happens—and when it does, your credit can take the hit. But your ability to get a car shouldn’t suffer because of it. That’s why we specialize in helping real people in real situations get approved and drive away in a reliable vehicle. Whether you’re commuting to St. Louis for work or navigating local errands and school drop-offs, we’ve got a financing option tailored to you.
👉 Apply Online Today to jumpstart the approval process with zero pressure and no upfront commitment.
Most traditional banks and credit unions don’t make it easy for people with less-than-perfect credit to secure an auto loan. Fortunately, our subprime finance partners work with applicants across all credit categories—bad credit, new credit, no credit, and everything in between.
We’ve built strong relationships with national and regional lenders who prioritize stability over score. That means you’re evaluated based on income, job history, and residence stability—not just your credit report.
Whether you're a single parent in Arnold looking for a dependable SUV or a recent graduate trying to buy your first car, our credit specialists are trained to walk you through a simple, step-by-step process. You bring the determination—we bring the keys.
💡 Need help preparing? Visit our Frequently Asked Questions page to learn what documents to bring and how to prepare for your visit.
Living in Arnold means needing a vehicle that can keep up with your life. From snowy Missouri winters to hot summer days on the road, your next vehicle should be reliable, affordable, and fit for purpose. That’s why we maintain a broad selection of pre-owned inventory that includes:
Fuel-efficient sedans for your daily commute to downtown St. Louis
Sturdy trucks for jobsite reliability or weekend trailering
Family-friendly SUVs for school runs, sports, and weekend trips
Compact and budget-friendly vehicles ideal for first-time buyers
All vehicles are thoroughly inspected and include warranty options, with many qualifying for our Vehicle Protection Plans to give you peace of mind on the road ahead.
🚗 Ready to browse? Check out our full Used Inventory now.
What sets us apart from other dealers near Arnold, MO is our mission to help you rebuild credit while driving the vehicle you deserve. Your monthly payments are reported to major credit bureaus, helping you repair your financial history every time you make an on-time payment.
Our dealership is just a short drive from Arnold, and we regularly work with customers who’ve been turned down elsewhere. We believe in second chances and are committed to saying "YES" when other dealerships say "NO."
📍 Use our Map & Directions to find the best route from Arnold to our location.
Getting started is simple—and there’s zero obligation. Our online credit application is secure, fast, and puts the power in your hands. If you’re not quite ready for a full application, try our Pre-Approval Tool to get a sense of what you qualify for.
✅ Start the Full Credit Application ✅ Get Pre-Approved in Minutes
Still have questions? Want to chat with someone first? Reach out via our Contact Us form or give us a call today. You can even read what others from Jefferson County are saying on our Testimonials page.
While we proudly work with customers across all of Jefferson County, we especially welcome drivers from:
Imperial, MO
Barnhart, MO
Festus, MO
Hillsboro, MO
Mehlville, MO
Oakville, MO
Fenton, MO
Wherever you're from, your next car—and your next opportunity—is waiting here.
Take control of your future with a dealership that believes in making a difference. Your credit is not your identity. At our dealership, you’ll find real people who care, a process that’s honest, and cars that are ready for your next chapter.
🔁 Refer a Friend who needs help rebuilding credit and earn rewards. 🗣️ Write a Testimonial to share your experience with others on the same journey.
