Deal of the Day

Buy Here Pay Here

Buy Here Pay Here

You’ve found the right car near Panama City, Springfield, and Callaway, and are now ready to buy. However, what happens if you have bad credit?

Fortunately, you can still get the car of your dreams, no matter what type of credit you have. At the Honda of Bay County Finance Center, our experts will go over the finance options available to you.

Learn all about our finance services and don’t hesitate to contact us if you have any questions.

Bad Credit Auto Finance

Whether you have bad credit or no credit, we’ll help get the finance options that work for you. Visit or contact our finance center, and we’ll meet with you one-on-one to go over your budget and credit history. Then, we’ll draw up a payment plan that you and your budget can be happy with. Finally, we’ll use our connections with many different banks and lenders, so we can secure the right loan with the right terms for you.

We even offer a finance application that you can fill out to get pre-approved and help advance the buying process. We also have a trade-in value tool, which you can fill out to determine how much money you’d get to put toward a new car.

How to Get a Bad Credit Car Loan

Buy Here Pay Here

Regardless of what your credit situation is like, you can still get the auto loan you need to drive home happy. In fact, there are many ways to get a car loan, even with bad or no credit.

For example, the length of a loan can be adjusted from the average 36 months to 72 months or even 84 months. By doing this, a lender can help lower your monthly payments.

A down payment can also make buying a vehicle more affordable. The more you put down initially, the less you’ll need to pay each month. You can use money from a trade-in, as well, to help with the monthly amount.

You might even want to consider getting a cosigner with great credit to help you out. This will give you time to build your credit back up.

There are many ways to help build your credit back up. For instance, you can pay off past-due accounts, look through any credit report errors, and add positive information to your credit report. The latter includes showing how stable you are financially and adding positive account histories that are missing from your report.

By cleaning up your credit before applying for an auto loan, you’ll have a better chance of getting approved.

Buy Here Pay Here Loans

Whether you have good credit, bad credit, or no credit, you can still drive home in your ideal car. If you’re ready to buy a new carnear Panama City, Springfield, or Callaway, then visit the Honda of Bay County Finance Center today!


Monday - Friday 8:30AM - 8:00PM
Saturday 8:30AM - 7:00PM
Sunday Closed

Schedule Service

Monday - Friday 7:30AM - 6:00PM
Saturday 8:00AM - 3:00PM
Sunday Closed


Monday - Friday 7:30AM - 6:00PM
Saturday 8:00AM - 3:00PM
Sunday Closed

World Collision Center of Pensacola

6397 Pensacola Blvd.
Pensacola, FL 32505

Monday - Friday 7:30AM - 5:30PM
Saturday Closed
Sunday Closed