Struggling with bad credit and worried it might keep you from getting behind the wheel of a reliable vehicle? At Tim Short AutoPlaza, we believe your credit history shouldn’t be the only thing that defines your future. Whether you’ve had late payments, bankruptcy, or no credit at all, our Lexington dealership specializes in bad credit car loans that help you get approved and back on the road.
We Work With All Credit Types
Life happens. At Tim Short AutoPlaza, we understand that circumstances like medical bills, divorce, job loss, or unexpected emergencies can impact your credit score. That’s why our finance team works with a wide network of lenders to offer flexible financing solutions for all credit situations, including:
- Bad credit
- No credit
- Recent bankruptcy
- Repossessions
- First-time buyers
We’re not here to judge. We’re here to help!
Simple Approval Process
Getting started with a bad credit auto loan at Tim Short AutoPlaza is quick, easy, and stress-free. Just fill out our online credit application and our team will begin matching you with lenders that offer competitive rates—even if your credit is less than perfect.
Tip: Applying won’t hurt your credit score when you pre-qualify with our secure system.
Affordable Cars for Every Budget
Worried you can’t find something in your price range? Think again! We offer a large selection of quality used cars, trucks, and SUVs—including reliable models under $15K and $20K. Each vehicle goes through a full inspection, so you can drive away with confidence and peace of mind.
Plus, many of our pre-owned vehicles come with perks like:
- Vehicle history reports
- A 3-month / 3,000-mile warranty
- A 3-day / 300-mile exchange policy
Real People. Real Solutions.
At Tim Short AutoPlaza, we treat our customers like family—especially those who need a second chance. Our team is here to walk you through every step of the process. No pressure. No gimmicks. Just honest, helpful service from a dealership you can trust.
Serving Lexington and Beyond
Whether you’re from Lexington, Frankfort, Georgetown, or anywhere in Central Kentucky, Tim Short AutoPlaza is your go-to destination for bad credit car loans and dependable used cars. As part of the Tim Short Auto Group, we have access to a massive inventory and unbeatable buying power to get you the best deal.
Start Rebuilding Your Credit Today
A bad credit car loan from Tim Short AutoPlaza isn’t just about buying a car—it’s about starting fresh. On-time payments on your auto loan can help rebuild your credit score, opening the door to better financial opportunities in the future.
Let’s Get You Approved!
Don’t let bad credit hold you back. Visit Tim Short AutoPlaza in Lexington, KY, or apply online to get pre-approved today. We’re ready to help you take the "Short" road to a better ride—and a better future.