If you’re looking to secure a quality pre-owned vehicle but are worried a past bankruptcy filing will stand in your way, head to Moss Motors in Lafayette, Louisiana today! We have a professional finance department that will explain the loan application process and provide you with one-on-one assistance should you decide to apply for bad credit financing. We’ve helped many drivers understand their credit score and the factors that helped contribute to their unique rating, and we’ll work diligently to ensure you’re securing competitive loan terms that fall well within your budget.

Visit our conveniently located used car dealership near New Iberia & Abbeville, LA today to learn more about your credit score. Our Moss Motors team will run a credit check so that we can view your credit score, breaking it down in an easy-to-understand way. Your credit rating is comprised of five main areas, which are:

• Payment history
• Amounts owed
• Length of credit history
• New credit
• Types of credit in use

With payment history accounting for 35% of your score and amounts owned 30%. Our professional team will review this information and how it has impacted your rating so that you know how to improve it in the future. Scores fall within a set range of 300-850, with anything below 619 being considered low and anything less than 499 “bad.” With help from our pre-owned dealership, you can qualify for sub-prime auto loans while gaining a better understanding of your unique financial situation, so don’t hesitate to reach out to us now!