Challenging Credit Help Available

 
West Herr has the benefit of working with more customers in Western New York than any other automotive dealership in the area. This has helped us establish extremely strong relationships with our banks and lenders. Local banks, credit unions, and even national automotive lenders all work with each of our 23 locations, and 2 special finance locations. 

Leverage the size and expertise of West Herr for your next auto loan.

When you're applying for a car loan, lenders approve you based on 3 key factors:

 

This simply means that your monthly car payment needs to be in proportion to how much income you receive each month. So we want to be realistic and get you into something that you can easily make payments on.


 

Loan to Value is a ratio of the amount of money that you are borrowing in relation to a value of the car that is assigned by the lender. Your chances of getting approved are much lower when the loan amount is much higher than the assigned value. 


 

When you buy a car, it's considered collateral to your lender. The number of months or years a lender is willing to spread out the monthly payments is based on the car's age, make, model, mileage, and cost to repair, insure and maintain.


What lenders look for besides a credit score:

Total Income • Job Stability • Down Payment Amount • Current Debt


To Get Started: 
Fill out our secure finance application and one of our managers will follow up with you right away.

"But I have Bad Credit"
You're not alone; some estimates are that 40% of the population of Buffalo has 'poor' credit. We are here to help. We will work with you to get the car of your dreams, and payments that you can afford. That's why over 50,000 customers per year choose our company.

"But I filed for Bankruptcy"
While it can be challenging to get a car loan after bankruptcy, we have developed special relationships with our lenders to help most people get back on their feet. We understand the bankruptcy rules better than most because we have delivered more cars to previous bankrupt customers than anyone in Western New York. Give our transparent, easy to understand process a try. We think you will be pleasantly surprised.

"But I have been turned down"
Thousands of Western New Yorkers are turned down for an auto loan every year. Most dealers just submit your credit application and accept the results. We pride ourselves on working with you and the lender to come up with a solution that is right for you.

Did you know 40% of people have a 660 credit score or lower?

​We will get you APPROVED, regardless of your current credit situation.

Apply Now
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