Everybody makes mistakes. That’s something that we understand here at Zimbrick, which is why we offer both new and used car loans for people who have credit that isn’t in the best standing. There are a lot of businesses—car dealerships included—that see a number rather than a name, and who will only work with people with a certain credit score. That’s not how we work.
Rather than turning people with bad credit away, we work with them to develop payments that are beneficial for both parties. If you have been shut down everywhere else and are out of places to turn, you’re at the right place. We want you to help you get the car of your dreams.
How the Zimbrick Finance Process Works
Here’s a little secret about the car business. Most dealerships are paired with a single bank or credit union. As the partnership comes with a promise not to take loans to any other banks, the dealership tends to benefit financially. Here at Zimbrick, we don’t have any deals with one single bank, which means that the benefits are all for you to reap. Rather than having one option, we are able to shop around and find the rate that is best for your particular financial situation.
There are always perks to having good credit, as banks are always more willing to offer lower interest rates and more appealing deals, but we have plenty of banks and credit unions that we work with who are willing to give that second chance to those who have lower credit scores.
A lot of our customers with bad credit come in with a loan that they received from their bank, as they are skeptical about financing with a dealership, but once we run the numbers, most find that the competitive rates that we offer are actually lower than what they got at their bank.
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