Honda of the Avenues Jacksonville

Can You Finance a Car with No Credit?

Car Financing

If you are a first-time buyer with no credit history you may be asking whether you can finance a car with no credit. While it’s not impossible, it can get a little tricky securing a no-credit or bad-credit car finance plan in the St. Augustine area. The finance team here at Lou Sobh's Honda of the Avenues is here to help guide you through the process. Whether you wish to buy or lease, the finance experts at Lou Sobh's Honda of the Avenues are here to help you get behind the wheel of the new Honda or used car you want today.

Tips for Financing with Bad or No Credit

When financing a car with no credit, both your down payment and interest rate will usually be higher than average. Therefore, it is important that you take a close look at your budget and make sure that it can accommodate the increase in out-of-pocket cost. Review the following tips from our finance specialists:

Don’t Assume You Won’t Be Approved

Just because you are seeking no-credit or bad-credit car finance options doesn’t mean that you have to accept the first offer you receive. Ask questions to find out if there are other options that are available. Many Orange Park-area dealerships work with multiple lenders, so there’s a good chance you could get a better offer.

Improve Your Credit Score if Possible

An easy way to boost your credit rating is to use your credit card on small purchases and then immediately pay it off. Working out a payment plan and paying off any outstanding debt will also help you to build the credit needed to be approved for a loan.

Apply for Loans the Smart Way

Applying for financing will often negatively affect your credit rating. We recommend that you keep all of your loan applications within a 14-day period to reduce the damage to your score.

Be Prepared for Higher Costs

Remember that you should go in expecting to get higher interest rates. You should also be prepared to come up with a larger down payment. Budgeting for these beforehand will help ease the stress and give you a clear picture of what you can and can’t afford.

Apply for an Auto Loan at Lou Sobh's Honda of the Avenues

Ready to get behind the wheel of a new vehicle? Use our convenient payment calculator to determine what your monthly payments will be, and then apply for financing with us online. To learn more about your loan or lease options in the Fernandina Beach area or to take advantage of our other financial services, please feel free to contact us.

More from Lou Sobh's Honda of the Avenues

  • 2020 Honda Accord Interior Features

    The 2020 Honda Accord is a well-rounded sedan that can meet the needs of a wide range of St. Augustine drivers. In addition to its sophisticated design and powerful and efficient engine, the Accord interior is designed to keep you comfortable, connected, and safe on the roads in and around Jacksonville. Explore the Accord interior features…

  • 2020 Honda Accord Safety Rating

    The 2020 Honda Accord safety ratings should add an extra level of peace-of-mind for drivers in the St. Augustine and Orange Park area. With its wide array of advanced Honda safety technologies, the new Accord has been equipped to provide protection and heighten awareness on city streets as well as out on the highway. Learn more about…

  • 2020 Honda Accord Trim Levels

    There are six unique 2020 Honda Accord trim levels for St. Augustine-area drivers to choose from, each with its own list of standard features. Find out which Accord configuration will best suit your needs in this guide from Lou Sobh's Honda of the Avenues, then stop by our dealership in Jacksonville to take this stylish sedan out for a test drive….

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 ×

(877) 394-5404

Call Now

11333 Philips Hwy • Jacksonville, FL 32256

Get Directions

Today's Hours:

Open Today! Sales: 9am-7pm

Open Today! Service: 8am-6pm

Open Today! Parts: 8am-6pm

Lou Sobh's Honda of the Avenues

11333 Philips Hwy Jacksonville, FL

Phone: (877) 394-5404


Phone: (904) 370-1288

11333 Philips Hwy Jacksonville, FL


Phone: (877) 394-5404

11333 Philips Hwy Jacksonville, FL


Phone: (877) 394-5614

11333 Philips Hwy Jacksonville, FL
30.1644016 -81.5363869
[schema type="organization" orgtype="LocalBusiness" url="" name="Lou Sobh's Honda of the Avenues" description="" street="11333 Philips Hwy" city="Jacksonville" state="FL" postalcode="32256" country="US" email="" phone="(877) 394-5404" logo=""]
Lou Sobh's Honda of the Avenues
Lou Sobh's Honda of the Avenues
11333 Philips Hwy
Jacksonville, FL, 32256 US
(877) 394-5404
Lou Sobh's Honda of the Avenues 30.1644016, -81.5363869.