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 searching for bad credit used cars in Jackson, MO, you've come to the right place. At Pettus Credit Driver, we specialize in helping real people overcome credit obstacles to find quality, reliable used cars — regardless of past financial challenges. Whether you've faced bankruptcy, divorce, medical debt, or simply hit a rough patch, our mission is to say “yes” when others say “no.”
Buying a car with bad credit doesn't have to feel impossible. In fact, thousands of customers across Southeast Missouri — including Jackson — trust our dealership group every year because we combine compassionate financing with a large selection of dependable vehicles. We serve as a bridge to second chances, helping drivers get back on the road and rebuild their financial foundation one approved loan at a time.
Ready to apply? Start your journey today with our secure credit application — it only takes a few minutes.
Unlike traditional dealerships that rely on big banks and tight approval requirements, Pettus Credit Driver works with a vast network of subprime lenders who understand your situation. We specialize in bad credit, no credit, new credit, and recovering credit. Our team will look beyond the credit score and focus on what really matters — your ability and stability.
Some key reasons Jackson shoppers choose us:
Dedicated Subprime Lending Programs Whether you’ve had repossessions, missed payments, or low scores, we have lenders ready to approve your application.
Huge Inventory of Used Cars, Trucks, and SUVs Browse pre-owned inventory that meets strict quality standards — vehicles you'll be proud to drive.
Convenient Online Pre-Approval Get a head start with fast pre-qualification before you ever visit a store.
Locations Near Jackson for Easy Access With dealership locations in Farmington, DeSoto, and Fredericktown, you’re just a short drive away from approval.
Real Testimonials from People Like You Read how others with similar credit concerns drove away happy on our customer testimonials page.
Living in or around Jackson, Missouri means you’re close to one of the Midwest’s best kept secrets for used car shopping with bad credit. Our nearby dealership locations are fully equipped to serve the Jackson community with financing options tailored for drivers who may have been turned away elsewhere.
We understand that life happens — and when it does, the need for reliable transportation doesn’t go away. Whether you’re commuting to Cape Girardeau, dropping kids off at school in Jackson R-2, or just need something dependable to get around, our financing-first approach puts your needs ahead of everything else.
✅ First-time buyers ✅ Slow pays or late payments ✅ Bankruptcy (Chapter 7 or Chapter 13) ✅ Repossessions ✅ Medical debt ✅ Divorce or separation ✅ Job loss or income reduction ✅ Limited or no credit history
Our vehicle financing team works closely with you to match your income, employment, and current budget to an affordable loan — often with flexible down payment options.
Buying a used car with bad credit doesn’t mean settling. We hand-select vehicles that meet high standards for quality, safety, and value. Our inventory typically includes:
Late model sedans and hatchbacks
Family-friendly SUVs and crossovers
Fuel-efficient compact cars
Trucks and work-ready pickups
Specialty vehicles based on your needs
We’re proud to back many of our cars with available warranty options, giving you peace of mind that extends beyond the dealership lot.
The city of Jackson is built on hard-working values, and we reflect those same principles in our business. Our nearby dealerships are staffed by friendly professionals who treat you with respect — no pressure, no games, just straight answers and a clear path to ownership.
We’ve helped dozens of customers from Jackson, MO drive off in vehicles they love — without embarrassment or judgment. Just check out our real customer testimonials to see how we’re making a difference in your neighbors’ lives.
Apply Online Start with our quick and easy application — it’s safe and secure.
Get Pre-Approved Our finance team will contact you with next steps and gather additional info if needed.
Pick Your Vehicle Browse our used inventory and select the one that fits your needs and budget.
Drive Away Happy Sign and drive — most approvals happen in the same day!
When you're ready to finalize your deal, bring the following:
A valid driver’s license
Proof of income (pay stub, bank statements, etc.)
Proof of residence (utility bill, lease, etc.)
A few personal references
Down payment (if required — varies by deal)
Need help? Just contact us and we’ll guide you through every step of the process.
Our dealership doesn’t just help you get behind the wheel — we help you move forward financially. Many of our lenders report to major credit bureaus, meaning that on-time payments on your vehicle can help rebuild your credit score over time.
It’s a rare win-win: get the transportation you need while improving your long-term financial outlook.
Big corporate stores don’t specialize in subprime loans. Most have rigid approval standards and can make credit-challenged buyers feel uncomfortable. Pettus Credit Driver is different — we’ve built our business around helping people with bad credit. No judgment. Just honest deals.
If you live in Jackson, Cape Girardeau, Fruitland, or any of the surrounding towns, you owe it to yourself to explore your options with our team. You might be surprised just how easy the process can be.
Our nearest locations in Fredericktown, Farmington, and DeSoto are all easily accessible from Jackson — and we’re here six days a week to help. View our locations and get directions to the store closest to you.
Don’t let your past define your future. When it comes to bad credit used cars in Jackson, MO, Pettus Credit Driver is your best bet for fair, fast, and friendly auto financing. With great inventory, understanding lenders, and a process built around your needs — you're closer to driving than you think.
👉 Start Your Credit Application Now 👉 Browse Available Used Vehicles 👉 Read Real Customer Reviews
