No Luck Needed: How Car City Helps Customers of All Credit Types

At Car City, we help customers of all credit types get into quality, used vehicles. We promise that no one else can get you into a better quality used vehicle, regardless of credit, in Michigan and northern Indiana! With excellent customer service, easy application process, and a wide selection of vehicles, our customers keep coming back when they need a vehicle.

Unsurprisingly, many people question how it’s possible to drive away in a quality, used vehicle. “Must be a gimmick,” they think. Until they visit Car City and realize it’s true, it’s a common misconception of our business. To help correct some misconceptions, we’ve put together this blog post that explains our application process.

If you’re ready to drive, give us a call or schedule your visit today. You can also get approved by completing the online application.

We Don’t Base Our Financing Decisions on Your Credit Score.

Unlike other financial institutions, Car City doesn’t consider your credit score for financing decisions. While we may look at certain aspects of a customer’s credit history, the actual score is not a part of our calculations. This is how we can help people of all credit types get financed for quality, used vehicles.

To get approved for financing, simply complete the online application from he comfort of your home. There, you will input all your information and learn what the specific qualifications are for $39 down.

We Don’t Have Interest Rates

Another thing that makes Car City unique: we don’t have interest rates. Instead, we use a money factor. A money factor is simply the financing charge to borrow money for the vehicle. Our Finance Managers will be more than happy to explain your options. Just schedule an appointment today or call us at 888-227-2489 for more information.

We Offer a $1,000 Minimum for Your Trade

If you have an older vehicle that you’d like to trade in, bring it to any Car City location! We’ll apply the value of your trade-in vehicle towards your newer ride at Car City. In other words, you can expect a minimum of $1,000 off your Car City vehicle just by bringing in your trade! That can help lower your monthly costs.

You Can Put More Down to Lower Monthly Payments

If you don’t have a trade, you can also put more money down on a vehicle up front to help lower monthly payments. The less money you have to borrow, the less your monthly payment can be. Again, speaking with one of our Finance Managers will help you gain a clear picture of your options at Car City.

Returning Customers Enjoy More Benefits

After your first lease with Car City and Orbit Leasing, returning customers enjoy great perks! At Orbit Leasing, your second lease graduates you from a regular Orbit customer to an Orbit Plus customer. Your third lease graduates you to Orbit Platinum status! As a reward for being a reliable customer, Car City and Orbit Leasing give customers the chance to upgrade their vehicles and save on monthly payments, gas, and on the vehicle itself! What are the benefits of Orbit Plus and Orbit Platinum? Check out the table below for details:

Orbit PlusOrbit Platinum
Lower lease money factor$250 towards your upgraded car ($750 total)
or gas ($500 total)
$500 off any vehicle Lower lease money factor
First monthly payment is FREE $500 off any vehicle
$250 gas card First monthly payment is FREE
$250 gas card

The best place to get a used vehicle in Michigan and Indiana

As you can see, getting into a quality vehicle is easy at Car City. Schedule an appointment with us today at one of our locations throughout Michigan and northern Indiana! Our friendly team will help you along the way in a hassle-free, judgment-free environment. No matter your credit situation, Car City will work with you!

At Car City, our wide inventory makes it easier for customers to choose a newer ride. We welcome everyone, regardless of their credit situation. All Car City vehicles come with a six month/6,000-mile warranty, GAP coverage, and a three-day money-back guarantee. Additionally, Car City offers a minimum of $1,000 for your vehicle trade. Simply bring your trade-in vehicle to any Car City location and apply the trade-in value towards your newer ride! Start your application today to drive away in a quality, used vehicle!

Please Note: We turn our inventory daily, please check with the dealer to confirm vehicle availability, verify price, options, and other vehicle details.

*48- or 54-month lease. $447 per month average. $1,900 minimum/month income required. $39 due at delivery. Excludes tax, title, license, and doc fees. No security deposit is required. Contact us for full guarantee and warranty details. Call 888-227-2489 for more information.

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