Bad Credit?

No Credit? No Problem! We're here to help you

When it comes to finding our customers quality new Chevrolet cars, trucks, and SUVs, our team here in Waukee knows what to do to maximize your time here. We know that everyone has their own financial struggles and whether you've just begun building your credit, or you have suffered some issues in the past which have caused your credit score to drop, you're not alone.

We see a lot of drivers in here lamenting their poor credit score, and many assume they are out of luck and unable to get a new vehicle. Not only is there hope, but our team is ready to fight to get you into the right new Chevrolet Silverado 1500, Equinox, Colorado, or Cruze. We have been through the process of getting our customers approved for auto loans and leases so many times that it is second nature to us, and we want to help you.

We Want You to Be Approved!

What can our Des Moines customers expect during the financing process? Knowing before your test drive is key to a smooth process, especially if you are dealing with a low credit score. The first thing we recommend is knowing your score before you begin shopping so you can be familiar with any problems or discuss the discrepancies that you might find with the credit reporting bureaus. When you have a number assigned to your credit score, you can be ready to estimate what your APR, or annual percentage rate, might end up being, affecting the overall cost of your vehicle.

Drivers with poor credit may have a higher APR than drivers with good credit, which is classified as 670 or higher. If you fall well below that number, don't put off hope that you can get into the next right used Chevrolet Traverse or an off-brand model by Nissan, Buick, or GMC. We've been through this enough so we can help you get approved and into the right car for you.

Phone Numbers:Sales Hours:
  • Mon - Thu8:00 AM - 7:00 PM
  • Fri - Sat8:00 AM - 6:00 PM
  • SunClosed
Service Hours:Special Hours
  • Saturday 6/22/2024Closed
Regular Hours
  • Mon - Fri7:00 AM - 6:00 PM
  • Sat8:00 AM - 1:00 PM
  • SunClosed
Parts Hours:Special Hours
  • Saturday 06/22/2024Closed
Regular Hours
  • Mon - Fri7:00 AM - 6:00 PM
  • Sat8:00 AM - 1:00 PM
  • SunClosed
Body Shop Hours:Special Hours
  • Saturday 06/22/2024Closed
Regular Hours
  • Mon7:00 AM - 6:00 AM
  • Tue - Fri7:00 AM - 6:00 PM
  • Sat8:00 AM - 12:00 PM
  • SunClosed

What Should You Bring to Be Approved?

Before you make the trip out from Ankeny, it's important to be prepared, and that means packing all of the things necessary to get you through the buying process faster. These items include:

  • A valid photo ID
  • Proof of income, such as a pay stub, canceled check, or bank statements
  • Personal references with name, phone number, and address of at least five people to be safe.
  • Proof of residence, like a utility bill, signed lease, phone bill, etc.
  • Have a valid form of insurance and proof of insurance in hand.
Often, a large down payment will assist you in securing a loan with less than ideal credit, but we understand that this isn't always possible for customers. Once we have an idea of what your credit score is, we can better assist you with locating a vehicle that suits your budget, then once you've made successful payments for a certain number of months, come back in, and we can help you refinance for a better rate. A high APR may cause your payments to be higher, but that doesn't have to be the end of the discussion. We're always onsite to discuss our Urbandale customer's needs and financing questions.

We encourage you to stop by and speak with us about your financing issues, and if you want to get started without leaving home, fill out an online pre-approval application, and we'll be in touch to discuss the logical next steps.

Bad credit can seem like a scary thing, but it doesn't have to be when you have our team here at Bob Brown Chevrolet in your corner. Contact us today and see what we can do for you.


Get Directions

3600 111th St, Urbandale, IA, 50322
Bob Brown Chevrolet, Inc. 41.62694, -93.77388.