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"Had the best car buying experience here! Rob was such a help! We were having to purchase another car unexpectedly and I was dreading the whole experience, but from the first phone call, Rob made it so easy. He found us exactly what we wanted AND made the whole financing portion painless. I definitely recommend him and Dick Says Yes!"

- Erika Merritt

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Bad credit challenges can be frustrating and leave you feeling lost.

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  • what if i've been through a divorce?
    Dick Says Yes can secure car loan financing for people that have filed for divorce. We have established unparalleled relationships with nearly one hundred lending resources, both local and national, and know all of the ins and outs of each one of their programs. Please keep in mind that we are able to assist you directly in dealership, same day, or you can do a complete preapproval online so you know exactly what the numbers will look like before you ever step foot in our dealership.
  • WHAT IF I'M A FIRST TIME BUYER?
    Dick Says Yes has lenders that fund car loans for first time car buyers. In fact, one of our specialties is working with people that are early in their credit developing time ensuring they get just the right loan now as well as mentoring them to build a good credit profile.
  • what if i have a super low credit score?
    Quite frankly, this is our real specialty here at Dick Says Yes. Some of our customers have been turned down by car dealers, banks and credit unions. It’s our job to help our customers get a car loan even if they have a low credit score.
  • WHAT IF I'VE BEEN THROUGH A REPOSSESSION?
    Dick Says Yes has lenders that will fund car loans for our customers that have had a car repossession in the past. We work with you to understand what happened that lead to the repossession so that we can share your story with prospective lenders. We have relationships with several lenders to tell that story and get the exceptions you may need to secure an auto loan.
  • WHAT IF I NEED A CO-SIGNER?
    The most common reasons a cosigner is needed are if the primary buyer has credit issues that are too recent to qualify on their own, if their income is not adequate for the amount of financing requested or if the overall credit profile doesn’t meet the lender’s guidelines. With a well-qualified cosigner, someone who would otherwise be turned down for an auto loan will often obtain a favorable approval. Often, many people will use a cosigner, even if they can get approved on their own, as the approval with the cosigner may be at a much lower interest rate saving the primary buyer hundreds or even thousands of dollars in interest over the course of the loan.
  • IF I DON'T QUALIFY, THEN WHAT?
    Dick Says Yes has lenders that will fund car loans for our customers that have had a car repossession in the past. We work with you to understand what happened that lead to the repossession so that we can share your story with prospective lenders. We have relationships with several lenders to tell that story and get the exceptions you may need to secure an auto loan.

More Questions? Talk to a Financing Expert.

More Questions? Talk to

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We do more than help you buy Used cars with Bad credit. a lot more.