Bad Credit Car Loans Near Me - New and Used Ford, Dodge, Jeep, Ram in Belleville, Cape Girardeau, Oakville - Fast Credit Approval for All Credit Types

FAQ's

Our Frequently Asked Questions

You have questions...

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We know that you may have more questions than listed here, and we welcome every single one.

If your question is not answered below, please know you may always call a Pettus Credit Driver associate at any time During Our Regular Business Hours.

Yes, a subprime auto loan can absolutely help you rebuild your credit—if managed responsibly. By making your payments on time every month, you're showing lenders that you're reliable, which can improve your credit score over time. At Pettus Credit Driver, we work with banks that report to all major credit bureaus, helping customers in Fredericktown, DeSoto, and Farmington rebuild their financial future, one payment at a time.

Auto loans are installment loans, and they can positively impact your credit mix. When you consistently make on-time payments, your credit history becomes stronger. Over time, this shows lenders you’re trustworthy—opening the door to better rates and loan options in the future. Pettus Credit Driver’s partner banks specialize in helping subprime customers across Southeast Missouri improve their credit profiles.

While every credit situation is unique, most customers begin to see improvements within 3 to 6 months of consistent, on-time payments. Pettus Credit Driver partners with banks that report payment activity to all three major credit bureaus. Whether you're buying in Farmington, DeSoto, or Fredericktown, a properly managed auto loan can be a smart step toward rebuilding your credit score.

To ensure your car loan works to your benefit: make every payment on time, avoid skipping or delaying payments, stay in contact with your lender if issues arise, and monitor your credit regularly. Pettus Credit Driver connects buyers across Southeast Missouri with subprime financing that’s designed to help build stronger credit over time.

Lenders accept income from full-time and part-time jobs, self-employment, Social Security, disability, retirement income, and documented child support. Pettus Credit Driver works with flexible lenders who consider many income types for shoppers in Farmington, DeSoto, Fredericktown, and beyond.

While each lender sets its own guidelines, most look for a minimum monthly income of around $1,500 to $2,000 gross. Pettus Credit Driver helps subprime buyers qualify by reviewing various income sources—not just traditional employment.

Yes, a cosigner or co-borrower with stronger credit or more income can improve your approval odds and possibly lower your interest rate. Pettus Credit Driver can help you and your cosigner find a plan that fits your goals.

Interest rates depend on your credit score, income, and loan terms. Subprime auto loans usually have higher rates, but Pettus Credit Driver helps buyers in Southeast Missouri get access to competitive and fair options.

This depends on your loan amount, term length, and interest rate. Pettus Credit Driver provides full transparency, so you’ll always know what your monthly payments and total cost will be before you sign.

Most lenders require a down payment between $500 and $1,500. A larger down payment can improve your loan terms and approval odds. Pettus Credit Driver offers flexible down payment options for buyers across Southeast Missouri.

Yes, most lenders we work with don’t charge penalties for early payments. This means you can pay off your loan faster and save on interest—great news for buyers working to improve their credit.

Trade-in value depends on your vehicle’s make, model, mileage, condition, and market demand. Pettus Credit Driver offers free appraisals and applies the value directly to your loan or down payment.

Most approvals require a driver’s license, proof of income (like pay stubs or benefits), proof of residence, references, and insurance. Pettus Credit Driver makes the process simple for buyers throughout Southeast Missouri.

Lenders offer a range of payment options: automatic withdrawal, online, phone, and in-person payments. Pettus Credit Driver helps customers choose the most convenient and secure way to stay current on their loan.

If you're having trouble making a payment, contact your lender right away. Many offer assistance options. Pettus Credit Driver encourages open communication to avoid missed payments and to help you stay on track with rebuilding your credit.