How Can I Get Car Financing with a Bad Credit Score?

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If you’re in need of a new vehicle, but have less-than-perfect credit, we can help. The finance team at DARCARS Toyota of Silver Spring wants drivers to learn how to get a car loan with bad credit, how to increase your credit score, and more! Find out the bad credit car financing options available at our dealership and you’ll be one step closer to driving off in a new vehicle for a more affordable price.

How to Get a Car Loan With Bad Credit

First, you’ll want to talk over your options with our finance team. Once you find a payment plan that best suits your budget, you can rest easy knowing you’re driving off in an affordable new model that’s right for you and your family. If you already know which model is best for you, apply for financing online to get the process started. The next step is to finish the paperwork and you’ll be driving home in a new model in no time.

What Steps Should I Take to Get a Car Loan with Bad Credit?

If you’re in need of a bad credit car loan, we can help with that as well! You’ll want to speak with our finance experts to find the right loan. Before you do that, keep the following in mind:


  • Determine your budget. Use our online payment calculator to find out what you can afford. 
  • Attempt to make a larger down payment if possible. 
  • Check your credit score for derogatory remarks or errors. This can help quickly improve your score before you buy. 
  • Explore all of your purchase options, including those outside of buying or leasing. 
  • Don’t be afraid to ask our finance team for tips and tricks!

Improve Your Credit Score

Still wondering how to get a car with bad credit? Contact our team. We’re more than happy to help answer any questions you may have. If you’re looking to boost your credit score before you start applying for financing, take a look at the helpful guide our finance team put together. Here are a few steps you can take to increase your score:


  • Make all payments on time
  • Pay off outstanding debt
  • Keep card balances low
  • Only open new accounts when necessary

Ask How to Finance a Car With Bad Credit at DARCARS Toyota of Silver Spring!

Need a more affordable vehicle, but don’t want to settle for an older model? We recommend checking out our inventory of models priced under 10k. These vehicles, as well as our certified pre-owned models, offer newer model years for a lower price. And with our available used vehicle specials, you can save even more. Contact us today to get the process started or to learn more!

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(301) 396-7850

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12210 Cherry Hill Rd. • Silver Spring, MD 20904

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Open Today! Sales: 9am-9pm

Open Today! Service: 6am-9pm

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DARCARS Toyota of Silver Spring

12210 Cherry Hill Rd. Silver Spring, MD

Phone: (301) 396-7850,-76.9608435,17z/data=!4m13!1m7!3m6!1s0x89b7c4e0acc4c467:0xbc47096a673abf32!2s12210+Cherry+Hill+Rd,+Silver+Spring,+MD+20904!3b1!8m2!3d39.0610546!4d-76.9586548!3m4!1s0x89b7c4e0b5f9c3ef:0x8595b7f082eeeec5!8m2!3d39.0610546!4d-76.9586548


Phone: (301) 245-6477

12210 Cherry Hill Rd. Silver Spring, MD


Phone: (301) 396-7850

12210 Cherry Hill Rd. Silver Spring, MD


Phone: (301) 288-3199

12210 Cherry Hill Rd. Silver Spring, MD
39.060378 -76.956764
DARCARS Toyota of Silver Spring 39.060378, -76.956764.