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Larry H. Miller Chrysler Jeep Dodge Provo

1825 N University Pkwy
Directions Provo, UT 84604-1548

  • Sales: 8445352489
  • Service: (844) 637-4725
  • Parts: (844) 660-0795


  • Monday 09:00AM - 06:00PM
  • Tuesday 09:00AM - 06:00PM
  • Wednesday 09:00AM - 06:00PM
  • Thursday 09:00AM - 06:00PM
  • Friday 09:00AM - 06:00PM
  • Saturday 09:00AM - 06:00PM
  • Sunday Closed

In most instances there is only one way for credit challenged customers to rebuild there auto credit.

What we do to help with Bad Credit Car Loans in Utah County:

At Larry H Miller Chrysler Jeep Dodge Ram, Provo we've spent years working with consumers who have bad or challenged credit. We've been helping these individuals raise their credit scores and reestablish their car credit by filling out our bad credit online car loan application. Let us hep you build a auto loan that is focused on rebuilding your credit situation and getting you safely back on the road. Along the way, our dedicated on site credit specialists will provide each applicant information they need in order to understand their loan, and structure each loan to fit your budget so you can maintain long payment history and raise your credit score.

This process also entails understanding why you should go through first financing at least one vehicle with a bad credit car loan, as this may help you once again qualify for competitive interest rates on a future car loan.

Why go through the process:

Here at Larry H Miller Chrysler Jeep Dodge Ram, Provo we've heard this question before: "Why should I get a bad credit car loan? I can pay cash for a car or buy one from a buy as is dealer and get a credit card to rebuild my credit." Even though this would seem like a logical approach, there is at least one reason why it probably won't work - even if this does raise your FICO score.

Revolving versus Installment:

A charge card is a type of revolving credit. This means that if you only make the minimum payment and don't pay off the balance every month, the credit card company will allow you to carry over (revolve) the remaining balance to the next month - while charging you interest on the remaining balance for this privilege.

A car loan is a type of installment credit. With installment credit, you sign a contract to pay back the amount borrowed, plus interest, for a set amount per month for a fixed term (such as $300 per month for 48 months). As a rule, installment credit lines are usually much higher than revolving credit lines and require a higher monthly payment as a percentage of the loan balance. Installment credit contracts are also much less flexible to any changes in the loan terms, meaning that the buyer has to exercise more diligence in paying back the loan.

What car lenders consider:

In determining your credit score, the credit bureaus include both types of credit. And while automotive lenders will also look at your entire credit history they put a special emphasis on your installment car credit history. To put it another way, while a good payment history with a credit card will help your credit score, it is not the strongest type of credit to bring to the table if you're applying for a car loan.

For this reason, many applicants with decent credit scores can still be turned down for a car loan if they've never had a car loan before, or if it turns out that one of their previous car loans had a spotty payment history. In both these cases, the applicants might have to first prove themselves by way of a car loan with a solid payment history through another lender - and in most cases, that lender will have to be a bad credit lender that caters to a lower credit scores.

How Can Our Credit Specialist Help:

At Larry H Miller Chrysler Jeep Dodge Ram, Provo we have helped thousands of people with bad, and challenged credit buy cars and reestablish their auto credit at the same time. So if you are serious about getting your credit back on track, you can begin the process right now by filling out our secure online bad credit car loan application. Let us help with your bad credit car loans and get you back on track!

FAQ's & Common Credit Challenges