Get A Car Loan With Bad Credit in Ford Dodge, IA

Flexible Financing at Kemna Fort Dodge Chevrolet Buick GMC

At Kemna Fort Dodge Chevrolet Buick GMC, we believe that everyone deserves a dependable vehicle—no matter their credit history. Whether you have low credit, no credit, past bankruptcies, or inconsistent credit records, our finance team is committed to finding a path forward for you.

We are not a “Buy Here, Pay Here” lot. Instead, we tap into our network of reliable banks and credit unions to secure financing terms that match your situation. Our goal is simple: get you into a vehicle you can afford while rebuilding your credit along the way.

Car Financing Even With Low or No Credit

Don’t let credit challenges stand in your way. At Kemna Fort Dodge, we tailor financing solutions for all kinds of buyers. We’ll work with you—even if you’ve had:

Subprime credit
A bankruptcy
A repossession
Little to no credit history
Gaps in employment
Self-employment or nontraditional income

Every customer’s financial journey is different. Bring your situation to us, and we’ll find a loan that works.

What to Bring When You Apply for Financing

Having the right documents can make the process smoother—especially when your credit history is less than ideal. When you visit us, be sure to bring:

Valid Driver’s License

Make sure your license is up to date—not expired, suspended, or revoked. Also, double-check that your listed address matches your current residence.

Proof of Income

A recent pay stub showing your year-to-date earnings is ideal. If you’re self-employed, bring two years of professionally prepared tax returns.

Proof of Residence

A current utility bill (like water or electric) that includes your name and matches your residential address will work.

Insurance Information

Have your insurance agent’s name and contact info ready. You don’t need to add the new vehicle to your policy until financing is approved.

Personal References

Provide names, addresses, and phone numbers for people who can vouch for you—friends or family members are fine.

Down Payment

Have your down payment ready—amounts vary based on your credit and loan terms, so check with the finance team in advance.

If your credit is impaired, additional documentation might be requested, such as:

A permanent phone number in your name (prepaid phones may not qualify)
Title to any vehicle you plan to trade in
Identification and financial info for a co-signer, if applicable
Bankruptcy discharge documents (if applicable)
Court approval or documents for those in a current Chapter 13 bankruptcy

Our finance team will guide you through exactly what’s needed based on your situation.

Why Choose Kemna Fort Dodge for Financing?

Access to multiple lenders — we compare options to find you the best rate
Custom payment plans — structured around your budget
Credit rebuilding support — make on-time payments and rebuild your credit score
Transparency & honesty — no hidden fees or confusing fine print
Respect & dignity — we treat all customers with fairness and understanding

Visit Kemna Fort Dodge Chevrolet Buick GMC today and see how simple and supportive the car-buying experience can be—regardless of your credit history. Let’s get you behind the wheel of a vehicle you deserve.

Kemna Auto of Fort Dodge