At Jenkins Kia of Ocala, getting approved for an auto loan is simple. Our finance department is ready to support you from start to finish, offering flexible loan solutions designed to match your needs. With helpful guidance from our experienced finance team, you’ll be able to navigate the process confidently, including deciding whether financing or leasing makes the most sense for you.

Because Jenkins Kia of Ocala works closely with a network of reliable local lenders, we can help you access competitive loan options and rates. We regularly assist drivers from all kinds of credit situations, including those with poor or limited credit history. You can also jumpstart the process anytime using our secure online finance application and get pre-approved quickly. Contact Jenkins Kia today to learn more about your options.

• Credit Application
• Value Your Trade
• Finance Center
• Fresh Start Auto Loan
• Get Pre-Qualified with Capital One

Buying a car with bad credit is still possible, and there are several steps you can take to improve your chances. Start by reviewing your credit reports so you understand what lenders will see. This also gives you the opportunity to dispute any errors that may be lowering your score. After that, focus on rebuilding your credit over time—improving your score can boost approval odds and potentially help you qualify for a better interest rate.

You may also want to consider bringing a cosigner with strong credit, which can help you secure better loan terms. Another helpful step is saving for a down payment. The more you put down upfront, the less you’ll have to borrow, which may reduce how much interest you pay overall and could even lower your rate.

• Check your credit
• Take time to build your credit
• Save for a down payment
• Determine how much you can afford
• Shop around and compare rates