Subprime Credit Auto Financing | Matteson, IL

Purchase a Toyota with a Subprime Auto Loan

When you have less than perfect credit, or no credit at all, it can be difficult to purchase a vehicle. Especially when most lenders are only interested in loaners that are ‘prime’ candidates, meaning people with excellent credit who are very likely to pay off their loans fast and on time. We at Gerald Toyota of Matteson in Matteson, IL, offer auto loans to applicants that may be considered a ‘subprime’ candidate with bad or no credit. Our finance department will work with you to find the right vehicle that fits your budget and needs.

Here at Gerald Toyota of Matteson, we’ve been helping our customers, friends, and neighbors buy cars for over 40 years. We have the experience and knowledge that it takes to help you finance a new or dependable pre-owned car regardless of past credit problems. Whether it’s no credit, bankruptcy, bad credit, foreclosure, fixed income, or low credit score, we are here to help. Because of our relationship with secured specialty lenders who work with any type of credit situation, we do more than sell cars – we also help you rebuild your credit.

The first step in applying for a subprime credit auto loan is to review your credit history to make sure it’s free of errors. You should also determine how much you can pay for a vehicle, for both the down payment and the monthly payment. Next, fill out our easy finance application on your website. This form will provide us information we can use to determine what type of auto loan is appropriate for you. You can then browse our online inventory or check out our showroom floor to find a new or pre-owned vehicle that catches your eye.

If you’re not sure what you can afford for both a down payment and a monthly payment, take advantage of our online payment calculator tool. It estimates your buying power or your potential monthly payment, which makes it easier to see how a new or used car will fit in your budget, and it helps our Finance team find out what type of auto loan you’ll need. When you enter the price of the vehicle you have your eye on, the down payment you’ll be able to afford, your loan information into the calculator, it shows you how much you’ll be paying each month on that particular vehicle .

We don’t view your subprime credit status as a problem, and you shouldn’t either. Think of it as an opportunity to purchase a reliable vehicle that meets your current needs now, instead of waiting for your circumstances to improve. Gerald Toyota of Matteson in Matteson, IL, wants to help you take advantage of this credit opportunity. If you have any questions, or you want to begin your auto loan process, call at specialist at Gerald Toyota of Matteson at 708-720-8732. 


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  • I am at least 18 years old and a permanent resident of the United States.
  • I authorize this dealership to obtain a credit report in connection with our review of your credit application.
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  • I have truthfully and completely provided the required information on this application.