Bad Credit Auto Financing

Guaranteed Credit Approval

How Do We Guarantee Approval?

At Suburban Auto Finance, we look beyond your credit score to the other factors that make you a qualified buyer. We know that you are not your credit history, so why should financial issues from the past stand in the way of your future purchases? Instead of focusing on your credit, we look at the following:

  • Are you at least 18 years-old?
  • Do you have bad credit or no credit?
  • Do you have a steady monthly income?

For guaranteed approval, we look for at least $1,500 of monthly income. And we may also consider your debt to income ratio as a factor. This means that we want to make sure that taking on an auto loan payment won't compromise your ability to pay your other monthly bills.

The Sure Way to Financing Starts with Us!

We know that searching for auto financing with damaged credit can be frustrating. It can seem like there is no real help in sight, let alone any kind of guarantee for approval. At Suburban Auto Finance, we not only guarantee that you will get a loan, but will help you find a vehicle that fits your budget and lifestyle perfectly. Helping people with difficult credit circumstances isn't just our job, it's our number one priority. Do any of the following apply to you?

  • You have limited funds to produce a large down payment.
  • Banks consider you a high risk and will not approve you for a loan.
  • You have a low monthly income.
  • You have a low credit score.
  • You have no credit history.

You're definitely not alone. We've worked with thousands of people who have been in these exact situations, and we're ready to help you. We understand the odds that you have been up against, and we believe that no one should have to live with a lack of transportation. When you're plagued with a financial obstacle, you may not have the confidence to just walk into a dealership and assume that you can be approved to buy a car.

Let Suburban Auto Finance take the anxiety out of your next car buying experience. With our 100% approval guarantee, and the knowledge that you will have only the best vehicles to select from, you're getting the transportation and financing you need to plan for your future.

Get back on the road, and on your way to better credit today!

Contact Us

Bad Credit Car Loans Sterling Heights

Concerned your credit might not be enough to get you approved for an auto loan?  When you finance a car from Suburban Ford Sterling Heights, you can leave your bad credit fears behind - we guarantee your credit is good with us.

Our guaranteed credit approval program means that you can find auto financing with any credit rating.  So you can leave behind your past credit mistakes and instead focus on your future.  Like should you buy a new or used car, or will you need an extra row of seats in the future?

A Dealership that Accepts All Credit

Skip the buy here pay here car lot circus, and come to a real dealership that works with bad credit.  With Suburban Ford Sterling Heights you get the security of a locally known and trusted dealership, the inventory of a national brand, and the financing flexibility to get you approved no matter how damaged your credits score may be.

You may already know we've been providing auto financing for Fraser, Utica, Warren, Clinton Township, Troy, and Sterling Heights for decades, but what you may not know is we've been one of the leading bad credit auto dealers in Michigan for nearly as long.

Our financing experts are ready to walk you our finance process from start to finish, ensuring you get the most comfortable rate - whether you are buying your first car or your fifth.

Getting Your Auto Loan Pre-Approved Online

Looking to speed up your auto loan process?  Apply online and get a jump start on your application.  We know you're serious about your next car, so take a few minutes to apply online at your convenience.

Raise your score with a fresh chance at your credit.  Apply today and get on the road to a better credit rating today.

Frequently Asked Questions

We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
Our basic requirements are simple: a valid driver’s license, proof of residence, a monthly income of at least $1,500/mo, and you must be at least 18 years of age.
Our application process is fast and simple. Fill out the short online form with your information and click submit.
Once we have your application, we will contact you within 48 hours about what your options will be.
Absolutely! Depending on your vehicle’s value and the price of the car you are buying, it is possible that your current car could serve as your down payment.

We Make it Easy!

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Exceptional Customer Service

Trade-In Appraisal

Online Purchase

  1. Suburban Ford of Sterling Heights

    40333 Van Dyke Avenue
    Sterling Heights, MI 48313

    • Sales: 586-467-5178
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Get in Touch

  • Contact our Sales Department at: 586-467-5178
  • Monday9am-8pm
  • Tuesday9am-6pm
  • Wednesday9am-6pm
  • Thursday9am-8pm
  • Friday9am-6pm
  • Saturday10am-4pm
  • SundayClosed