Closeup of man signing a contract of car sale.

Can You Finance a Car with No Credit?

The answer is yes, though it may be a bit more difficult than if you had good credit. Learn more about no credit car loans, financing a car with bad credit, and more with us at Findlay Mazda today before talking through your loan options with our finance department.

Financing with Bad or Even No Credit

When you’re financing a car with no credit, you’ll have to keep in mind that the down payment may be more than the average and the interest rates may be higher. This is why it’s best to go in knowing your budget, and the amount of wiggle room you have. In addition to budget, remember these tips:

  • Ask questions and don’t assume you won’t be approved. While the first offer you get may seem like your best option, this may not be the case. Ask questions to see if there’s a better option.
  • Revive your credit score. Build up your credit by using your credit card on small things and paying it off immediately. This will help raise your credit score in no time.
  • Know your budget and your credit score (if you have one). Each time you apply for financing, your credit score can take a hit. Keep your loan applications within a 14-day period to limit the damage to your credit score.
  • Separate price negotiation from financing. Many dealerships go through multiple lenders so you don’t have to settle for the first offer you get. Ask questions and learn more.
  • Be prepared for a higher cost. You may receive higher interest rates, a larger down payment, or both if you have no credit.
  • Leasing might be a better option. Even though the prices will still be higher than if you had good credit, leasing will be cheaper than financing. Ask about leasing options with the dealership as well.

Apply for a Loan at Findlay Mazda

The finance team at Findlay Mazda can help make obtaining a bad credit car loan as easy as possible for you. Learn about the bad credit car finance options we offer, learn about how to lease a car with bad credit, and apply for financing online today to get pre-approved. Contact Findlay Mazda, your local Mazda dealer, today with any questions, to compare models like the Mazda CX-9 vs. Toyota Highlander or Mazda CX-3 vs. Mazda CX-5, to learn about the Mazda CX-5 towing capacity, Mazda3 gas mileage, the i-Activ AWD® system, browse the Mazda CX-5 lease options, even to learn about the average down payment for a car with bad credit.

Saved Vehicles


You don't have any saved vehicles!

Look for this link on your favorites:


Once you've saved some vehicles, you can view them here at any time.

Contact Us



Call Now



Call Now



Call Now

7760 Eastgate Road • Henderson, NV 89011

Get Directions

Today's Hours:

Open Today! Sales: 8am-9pm

Open Today! Service: 7am-6pm

Open Today! Parts: 7am-6pm

Findlay Mazda 36.046006, -115.01858.