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Frequently asked questions

Frequently Asked Questions about used car bad credit financing

Can I get a car with a 500 credit score?

Yes, you can buy a used vehicle of your choice and take it home today with a credit score of 500. The credit score range of 500-550 is considered subprime. That means you haven’t met financial obligations particularly well in the past. Prove to the lender that you have a stable job or another source of income making you able to pay back the loan installments. Your monthly income should overlap the monthly payment by at least 3 times. Also, you will need to make a down payment of at least 10-15% of loan value.

Which car dealership is best for bad credit?

Rolls Auto Sales is the best used car dealerships with bad credit financing in Philadelphia, PA. We have very flexible financing options and helpful staff with 18 years of experience in bad credit used car financing. We’ll find a financing solution that fits exactly into your individual situation and set you driving the car of your dreams home today.

How can I get a car with horrible credit?

Put more money down. That always helps to ease the situation. Offer us a 40-45% down payment, and we’ll surely strike out the deal.

Can I get a car with a 450 credit score?

Yes, you can buy a used vehicle of your choice and take it home today with a credit score of 450. The credit score range of 450-500 is very low. That means you haven’t met financial obligations particularly well in the past. Prove to the lender that you have a stable job or another source of income making you able to pay back the loan installments. Your monthly income should overlap the monthly payment by at least 4 times. Also, you will need to make a down payment of at least 25-30% of the loan value.

What is the lowest credit score to buy a car?

There is virtually no limit on how low a credit score can get. Let say the credit score of 350-400 still leaves a financing door open. If you have a sufficient, stable, and reliable source of income and a hefty 45-50% down payment - that will do the job.

How can I get a car with bad credit fast?

Gather up proof of income and residence. Come over to Rolls Auto Sales, choose and test-drive the car you want to buy. Fill out the credit application online. If you start doing that in the morning, we’ll try to make you a financing offer on the spot the same day.

Can I finance a car if I have a bankruptcy?

Yes, Rolls Auto Sales finances used car sales for clients going through bankruptcy. There is an approval process that usually could take anywhere from a few weeks to 2-3 months depending on how busy courts are and how promptly a legal pipeline will process your motion.

  1. Get the term sheet from your lawyer
  2. Rolls Auto Sales will offer you loan terms in writing
  3. Terms must be approved by a trustee
  4. Your lawyer will file a motion to the court
  5. Court finally makes a decision and approves the car loan.

We hope that this information was useful for you and the car you buy will be a perfect match for your requirements.

Dealership information

Rolls Auto Sales
Rolls Auto Sales
https://www.rollsauto.com/images/contactus.jpg
Rolls Auto Sales 40.03048662658753, -75.05544775981058.
Dealership Info
Phone Numbers:
Address:
Philadelphia, PA, 19135 6550 Frankford Ave •
Sales (Online only) Hours:
Mon - Fri9:30 AM - 7:00 PM
Sat9:30 AM - 5:00 PM
SunClosed

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Not an ordinary car dealership, meet Rolls Auto Sales

Used Car Dealer in Philadelphia, PA

Experience the car shopping process as it was meant to be at Rolls Auto Sales. Whether you’re looking for your dream car or looking to get financed with bad credit, you can count on us to make sure you have the best possible used car buying experience. As one of the best used car dealerships in Philadelphia, we’ve got the formula down to make sure you’re driving away with a smile from ear to ear. 

First, our competitive pricing ensures that you are getting a good deal on your vehicle from us. Second, we negotiate on your behalf; our established relationships with banks and lenders help us get the best possible interest rates for you, whether you have good credit, bad credit, or no credit. Third, our entire inventory is fully serviced and inspected before ever being offered for sale. And finally, our customer service is second to none. Just read our reviews! In business since 2002, you can rest assured you won't find an easier shopping experience anywhere else!


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With our large and dynamic inventory, we have a car for every budget and every credit. You can browse our inventory and view pictures and videos of every single car. Scheduling a test drive is easy, and you can also Apply for Financing and get pre-approved before even coming in! 

There’s also one more thing that comes with every used car purchased at Rolls Auto: peace of mind. Whether you are just driving off the lot or you’ve had your car for years, just know Rolls Auto will be here for you, mile after mile. After all, we’ve been here since 2002!