Bad Credit Car Financing in Lebanon, Indiana: What You Need to Know

Having credit problems does not necessarily mean you have to give up on buying a dependable vehicle. At J & M Auto Sales Inc. in Lebanon, Indiana, we understand that good people can experience difficult financial situations. Late payments, medical bills, bankruptcy, repossession or having very little credit history can make traditional vehicle financing more challenging, but options may still be available.

We Work With Many Types of Credit

J & M Auto Sales works with more than 36 lending sources, including local and national banks, credit unions, finance companies and our own in-house financing program. This gives us more opportunities to help customers with excellent credit, average credit, bad credit or credit that is still being rebuilt.

Every application is different, and all financing is subject to approval. However, we will take the time to review your situation and work to find an option that fits your needs and budget.

What Should You Bring When Applying?

Being prepared can make the financing process faster and easier. Depending on the lender and your individual situation, you may be asked to provide:

• A valid driver’s license or government-issued identification
• Proof of employment and income
• Proof of your current address or residency
• Recent banking information
• Information about your down payment
• Details about a vehicle you plan to trade

Additional information may be required by the lender. Call or text us before visiting, and we can help you understand which documents you should bring.

Choosing a Vehicle That Fits Your Budget

A successful vehicle purchase is about more than simply getting approved. It is important to choose a vehicle and payment that comfortably fit your monthly budget. Our team can help you review available cars, trucks, SUVs and vans while considering your down payment, desired payment and financing qualifications.

Our online inventory includes vehicle prices, mileage, photos and equipment information so you can begin shopping before coming to the dealership.

Why Choose J & M Auto Sales?

We are a small, family-operated used-car dealership serving Lebanon, Boone County and surrounding Central Indiana communities. Every vehicle goes through our inspection and service process before being offered for sale. Qualifying vehicles include a nationwide limited warranty, and extended warranty coverage may also be available.

Because we work with a variety of lending sources, we can explore more than one possible financing route. Our goal is to provide straightforward information, personal service and a comfortable, no-pressure buying experience.

Start Your Application Today

If you need a dependable used vehicle but are concerned about your credit, let us try to help. Browse our available inventory or complete the secure financing application at www.jmmotorslebanon.com.

J & M Auto Sales Inc.
400 South Lebanon Street
Lebanon, Indiana 46052
Call or text Jerry: 317-370-6223

Financing is subject to lender approval. Down-payment and documentation requirements vary by applicant and lender.