Category: Financing

We hear this question a lot, “how do I buy a car with bad credit?”  It can feel like a daunting task to purchase a car with poor or no credit.  According to Equifax, the average credit score in Missouri was 705 in 2024.  However, a large percentage of Americans can’t qualify for traditional credit on cars because of either not having a good enough score, or not having a score at all.  What options do you have if this applies to you?  Keep reading to find out!

Key Takeaways

• Bad or No credit individuals can purchase by cash, through a Buy Here Pay Here (not recommended), or using a program called Guaranteed Financing
• Guaranteed Financing is the preferred choice for low and no credit purchasers.
• Never Say No Auto specializes in Guaranteed Financing, but also offers traditional financing and cash options for those that [...]

We know that flexible car buying matters when shopping for a vehicle. We’re happy to let you know that your credit application is valid at both of our locations. Shop our Springfield and Bolivar, Mo locations with peace of mind. Whether you start the process at one lot or the other, you can complete your purchase wherever is most convenient for you.

Found your dream car at one of our locations but prefer to pick it up at another? No problem! Our cross-location shopping allows you to browse our inventory at both Springfield and Bolivar, Missouri and complete your purchase wherever is most convenient for you. Simply coordinate with your sales representative, and we’ll handle the logistics.

Once you are approved for financing, your application remains valid at both of our Springfield [...]