Chances are that if you live in the Phoenix metro area, you probably don't live and work in Phoenix-proper because the Valley of the Sun is so expansive. The valley is a great place to live, but it's really tough to get by without your own car. If you live there and have bad credit, it can be tough to get approved for an auto loan.

How to Buy a Car with Bad Credit in Phoenix

Phoenicians know that it's hard to get around the metro without a car. According to, Phoenix, Mesa, Glendale, Chandler, Scottsdale and Gilbert all rank poorly in terms of walkability. Those who have recently moved here, or plan on moving in the future, will learn this soon enough.

Commuting on the light rail is tough because it covers such a limited area; biking is a first-class ticket to heat stroke on those days when the temperature tops 100 degrees; and taxis cost too much. Having your own vehicle is the only solution.

But if you have bad, thin or no credit, your car-buying options become very limited. Most lenders will turn you away after a quick glance at your credit score. Drivers Lane won't. We have a number of special finance car dealers in the area who can help get you the car you need.

Popular Cars for Bad Credit Car Buyers in Metro Phoenix

bad credit, auto loan, Phoenix

Our team compiled data from our network of car dealers in Phoenix and noticed that these vehicles are very popular for bad credit car buyers in the valley.

  • 2014 Nissan Sentra
  • 2013, 2012, and 2011 Nissan Altima
  • 2012 Ford Fusion
  • 2012 Honda Accord
  • 2014 Chevrolet Spark

There is a pretty clear theme here. All of these vehicles are affordable and reliable sedans that offer good fuel economy. Any one of them would make a good choice for somebody on a budget who is trying to rebuild their credit. Just try not to pick one with black upholstery or leather seats.

There are perks to having your own car in the valley that go beyond having some AC to blast on your way to work. You're now a short trip away from all of the terrific hiking trails and golf courses in the area. And if you are the traveling type: It's only six hours to the California coast, under five hours to Vegas, and less than four away from beautiful Rocky Point.

Let Drivers Lane Help You

If your credit is less than perfect, finding a car dealer or lender who is willing to finance you can be next to impossible. Drivers Lane can help you get the auto loan that works for you, regardless of your credit situation. We have programs for every type of buyer in metro Phoenix.

If you'd like us to help you, just fill out our secure and obligation-free online application. Then, we'll get in touch with you and take it from there. Start today!