Fresh Start Program
At Step One Automotive, we believe that everyone should have the opportunity to drive home in a new vehicle, regardless of their financial situation or credit score.
Whether you are a first time buyer or have been affected by economic hardships like bankruptcy, foreclosure, or divorce, we are here to help!
Our expert finance team and lenders have the patience, passion, knowledge, experience and understanding to work with credit challenged customers and provide them with an exceptional car buying experience. Along with helping you apply for a new vehicle, our finance team will work to develop a personalized payment solution that fits comfortably with your budget and lifestyle.
Our Quality Finance Center
Along with evaluating your budget, our finance center has all the tools and resources you need to get started on buying your next car from home. Our website contains tools and calculators that can show you your estimated car payments based on the type of loan or lease that you want to get. We also have a trade-in calculator that can give you an estimate on how much money you’ll save if you decide to trade in your existing vehicle for a new car. You can also learn more about the financing options available for purchasing a new vehicle, including a lease or a loan.
What Documentation Should You Bring to the Dealership for Financing?
Valid Driver’s License
Verify your license is not expired, revoked, or suspended and ensure the address listed on your license is current and matched your residence
Proof of Employment
A recent pay stub stating your year-to-date earnings is sufficient. Self-employed individuals must provide two years of prepared tax returns.
Proof of Insurance
Take care to include the name of your agent and a reliable contact number. Adding a new car to your policy won’t be necessary until approval
Personal References
A reference can include anyone that knows you personally, such as a family member or friend. Include full names, addresses and phone numbers.
Proof of Residency
A recent bill for utilities, such as water or electric, is sufficient proof so long as your name is listed and matches the address given.
Phone Numbers Verification
Any phone number provided must be currently in service and under the applicant’s name. Prepaid cell phone numbers will not be accepted. Schedule an appointment and mention that you would like to participate in our Fresh Start Program.
Financing for Not-So-Perfect Credit
At Step One Automotive, we believe that everyone should have the opportunity to drive home in a new car, regardless of their financial situation and credit score. Whether you want to get a new or used vehicle, we make it easier to buy your dream car with our special financing program, which provides financing options for prospective car owners with less-than-perfect credit scores. If you don’t believe you can get a new car based on your credit score, or if you’re embarrassed to apply for financing due to your credit ratings, let Step One help.
The Step One Advantage
If you’d like to buy a new car but you’re not sure if it’s possible due to your poor credit ratings, don’t hesitate to contact Step One Automotive. You can schedule time to chat with our friendly and knowledgeable finance team, who will happily explain the various lending options available for customers whose credit score is below the average requirement for an auto loan.
Who Can Apply for a Subprime Credit Auto Loan?
Auto loans for poor credit scores are available to customers whose credit scores have been impacted by any number of factors, including foreclosure, divorce, multiple repossessions, delinquencies, bankruptcy, and more. If you have encountered any one of the credit impacts above, or if you are otherwise concerned about your ability to finance a new vehicle, don’t hesitate to contact the Step One Automotive financial team for assistance. We believe that you have the right to drive away in a new car, and we’ll work with you to ensure you have as many options as possible to get a new vehicle within your financial comfort zone.
Why Apply for Financing With Step One?
Now that you know you have options available for getting a new vehicle from us, we invite you to apply for a subprime credit auto loan. A lender will evaluate your application to determine if you qualify for vehicle financing. Additionally, our expert finance team will review your budget and finances to help you determine which loan or loans you are eligible for. Along with helping you apply for a loan, our finance team will work to develop a personalized payment solution that fits comfortably with your budget and lifestyle.
Ultimately, our goal is to make buying a new car an accessible and rewarding aspect of your life, rather than creating unnecessary financial stress and concern.
Fresh Start Program
850-396-2031
Get Pre-Qualified
Value Trade-in
At Step One Automotive, we believe that everyone should have the opportunity to drive home in a new vehicle, regardless of their financial situation or credit score.
Whether you are a first time buyer or have been affected by economic hardships like bankruptcy, foreclosure, or divorce, we are here to help!
Our expert finance team and lenders have the patience, passion, knowledge, experience and understanding to work with credit challenged customers and provide them with an exceptional car buying experience. Along with helping you apply for a new vehicle, our finance team will work to develop a personalized payment solution that fits comfortably with your budget and lifestyle.
Our Quality Finance Center
Along with evaluating your budget, our finance center has all the tools and resources you need to get started on buying your next car from home. Our website contains tools and calculators that can show you your estimated car payments based on the type of loan or lease that you want to get. We also have a trade-in calculator that can give you an estimate on how much money you’ll save if you decide to trade in your existing vehicle for a new car. You can also learn more about the financing options available for purchasing a new vehicle, including a lease or a loan.
What Documentation Should You Bring to the Dealership for Financing?
Valid Driver’s License
Verify your license is not expired, revoked, or suspended and ensure the address listed on your license is current and matched your residence
Proof of Employment
A recent pay stub stating your year-to-date earnings is sufficient. Self-employed individuals must provide two years of prepared tax returns.
Proof of Insurance
Take care to include the name of your agent and a reliable contact number. Adding a new car to your policy won’t be necessary until approval
Personal References
A reference can include anyone that knows you personally, such as a family member or friend. Include full names, addresses and phone numbers.
Proof of Residency
A recent bill for utilities, such as water or electric, is sufficient proof so long as your name is listed and matches the address given.
Phone Numbers Verification
Any phone number provided must be currently in service and under the applicant’s name. Prepaid cell phone numbers will not be accepted. Schedule an appointment and mention that you would like to participate in our Fresh Start Program.
Financing for Not-So-Perfect Credit
At Step One Automotive, we believe that everyone should have the opportunity to drive home in a new car, regardless of their financial situation and credit score. Whether you want to get a new or used vehicle, we make it easier to buy your dream car with our special financing program, which provides financing options for prospective car owners with less-than-perfect credit scores. If you don’t believe you can get a new car based on your credit score, or if you’re embarrassed to apply for financing due to your credit ratings, let Step One help.
The Step One Advantage
If you’d like to buy a new car but you’re not sure if it’s possible due to your poor credit ratings, don’t hesitate to contact Step One Automotive. You can schedule time to chat with our friendly and knowledgeable finance team, who will happily explain the various lending options available for customers whose credit score is below the average requirement for an auto loan.
Who Can Apply for a Subprime Credit Auto Loan?
Auto loans for poor credit scores are available to customers whose credit scores have been impacted by any number of factors, including foreclosure, divorce, multiple repossessions, delinquencies, bankruptcy, and more. If you have encountered any one of the credit impacts above, or if you are otherwise concerned about your ability to finance a new vehicle, don’t hesitate to contact the Step One Automotive financial team for assistance. We believe that you have the right to drive away in a new car, and we’ll work with you to ensure you have as many options as possible to get a new vehicle within your financial comfort zone.
Why Apply for Financing With Step One?
Now that you know you have options available for getting a new vehicle from us, we invite you to apply for a subprime credit auto loan. A lender will evaluate your application to determine if you qualify for vehicle financing. Additionally, our expert finance team will review your budget and finances to help you determine which loan or loans you are eligible for. Along with helping you apply for a loan, our finance team will work to develop a personalized payment solution that fits comfortably with your budget and lifestyle.
Ultimately, our goal is to make buying a new car an accessible and rewarding aspect of your life, rather than creating unnecessary financial stress and concern.
