Approved despite common credit issuesThese are some of the most common credit issues, what they mean and how they can impact your vehicle buying process. No need to worry. The credit experts at Tacoma Car Credit have years of experience helping people with credit issues get approved for a vehicle that they can afford and will help rebuild their credit score. At Tacoma Car Credit we understand that sometimes good people get in bad situations and sometimes things that impact your credit score are out of your control. You can trust that we will do everything we can to help you get approved and driving today.


Chapter 7 bankruptcy is a liquidation debt that takes three to four months from the filing date to discharge. We help you get financing despite having gone through this type of bankruptcy. To learn more about Chapter 7 Bankruptcy Auto Loans.

Chapter 13 Bankruptcy is also called a wage earner's plan. This type of bankruptcy is a re-organization of debts usually between one, three and five year terms. Learn more about how to get approved for an auto loan despite filing for Chapter 13 Bankruptcy.

 Multiple Bankruptcies

This is when a person has one or more bankruptcies that have ben file and or discharged, either Chapter 7 and/or Chapter 13. There is still hope that we can help get you approved!

 First Time Car Buyer

When you're a first time car buyer, chances are you have no revolving or installment credit history. This means you typically don't have a credit bureau score, which can make it difficult to get approved for an auto loan. Tacoma Car Credit has tons of experience working with first time car buyers and can help you get approved.


If a person has had a previous repossession, voluntary or in-voluntary, lenders will require that the repossession have occurred at least two years prior to the application for a loan. Even if you are still within that two year period the credit experts at Tacoma Car Credit may be able to help you. Contact us today to discuss your options on getting approved after a repossession.


Foreclosure stays on your credit report for seven years. You can expect to see up to a 300 point decrease in your credit score, depending on what other negative information may already be there. While the decrease isn't permanent, it can affect how lenders see you're reliability. Tacoma Car Credit has experience working with subprime finance lenders and can help you get approved despite your foreclosure. We'll do everything we can to get you on the road with a vehicle you'll love and can afford. You can start your pre-approval online and instantly see your credit score with no cost or obligation.


When you stop paying your bills for long enough, companies don't have time or resources to chase after their money. Often they will charge off or sell the debt to a collection agency. The agency will then try to collect the money you owe. Debt collectors will call and send letters. Having a debt sent to collections can affect your credit score negatively. A lender may turn you down for a loan because you have bills in collections. We encourage you get your debts in collections paid off. We understand that somethings may be out of your control. At Tacoma Car Credit we work with people with all types of credit and are experts at helping people, regardless of their credit situation. We are ready to help you get approved.