Yes — you can finance a used car with bad credit at Waltham Auto Gallery. We work with several lenders that look at more than the score: income, time at your job and address, and your down payment. Approval, rate and down payment are always up to the lender, so we never promise approval — we find out which option fits you.
Our listed prices are the vehicle price. You add dealer fees ($629), 6.25% Massachusetts sales tax on the vehicle price, title and registration. Try the payment calculator with the out-the-door total already built in.
Send the short form on this page (no Social Security number) or the full credit application. We text you back with the next step.
Financing is subject to credit approval. Terms, rate and down payment depend on the lender.
No. Nobody honest can. Every loan is subject to the lender's credit approval; we work with several lenders to find the option that fits your situation.
No. Our short form does not run a credit check and does not ask for your Social Security number. If you later apply with a lender, the lender may check your credit — we tell you before that happens.
Yes, with lenders that accept ITIN buyers. See our ITIN financing guide.
Call, text or WhatsApp — English, Português, Español. Monday–Saturday, 10 AM–6 PM.
Questions about a car, financing or a test drive? Leave your number and we text you right back.