Do You Have Less Than Perfect Credit?


If you have ever had trouble getting an auto loan we understand your pain. This is why we have an expert Guide to give you the personal attention to help you obtain the auto loan you need and get you driving the right vehicle that fits your budget and your needs.

Life Happens:

We understand that certain events in life can have a negative affect on your credit. This is why we have multiple lenders who specialize in supplying loans for people in different credit situations.

Let’s Get You Back on Track:

Call us today! We will treat you with understanding and respect and work hard to get the right loan and vehicle for you to get you back-on-track!

“The guys at Roy Nichols helped me get a vehicle when no one else could”
Pete R.


How long does it take to get approved?
With our instant pre-approvals, getting approved can be as easy as 1-2-3. Once we have the pre-approval, our Approval Manager will work with you to find the best financing for you and can take as little as an hour.

Which lender will I get my loan from?
We have great working relationships with multiple lenders and all the major banks who will provide us the best financing for your unique situation.

What do I need in order to get a loan?
The biggest component lenders look at is consistent monthly income. This income can be from a regular job or even from a pension or long-term disability. If you have monthly income, there’s a good chance you qualify for an auto loan.

How high will the interest rate be?
The rate always depends on your credit situation but with the Roy Nichols Motors Back on Track Program, many customers who make steady monthly payments are able to refinance their auto loan in a few years at a much lower rate with improved credit.

What kind of vehicle can I get?
Depending on your credit situation, the lenders will give us a range of vehicles to choose from. This is a good thing because it gives you choice and flexibility. From there, we will work to find the right vehicle from our quality inventory or find you the vehicle that works best.