Fair Credit Auto Loans near Cleveland, OH
There is a way you can receive an auto loan with fair credit, and our Halleen Kia team has the answers you’ve been looking for. Shoppers who’ve had questions about their credit should continue reading this article to explore routes they can take to secure financial assistance to buy a new car.
What Does Fair Credit Mean?
Whether you’re new to terms like credit or a seasoned individual in the car-buying process, having a fair history doesn’t exclude you from getting an auto loan. A person with a credit score in the fair range means they have accumulated FICO® points between 580 and 679. Having a rating between these numbers could mean you recently bought a home, missed a few payments, or defaulted on an account not related to vehicle ownership. Because there are so many variables, some institutions would be willing to work with you to provide an auto loan even if you’ve received a fair credit score. These companies are available for drivers in the Cleveland area and beyond, so there are plenty of options at your fingertips.
How Can You Get an Auto Loan?
While it may appear to be an anxious process, our team makes it easy and quick. You can begin your request from home. First, visit our Finance Application online and complete the information therein. Next, you’ll receive your results, which also show eligibility. Our staff will then match you with different lenders connected to our dealership. Then, select the company that has an interest rate that agrees with your budget. Once you find the right servicer, the entity can send funding on your behalf to cover the cost of the vehicle. Since it’s a loan, you’ll make your payments to the lender that has the contract. When you’re done, you can begin driving your car on routes, such as Westwood Drive.
Improve Chances of Getting an Application Accepted
If you’re concerned about whether your application request will be accepted, don’t worry — there are a few things you can do. Do you have someone who would be willing to assist you? In case you do, consider adding the person as a cosigner to the auto loan. This boost can also help you with a lender with a lower interest charge. Investing more money at the start of the purchasing process can also help you. Depositing over 20 percent of the down payment means less money that’s required for the auto loan. Plus, it could lead to less expensive monthly installments. Did your credit score go up recently? If you haven’t applied for a loan yet and are waiting for an increase in your financial history, wait at least seven days so the change can reflect on your report. The Finance Department can give you more insight, so be sure to visit us during open hours.
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Dealership Information
Testimonials
No doubt we will be coming to Halleen again!
Great job guys!
“ Martial Lester was extremely professional & accommodating to work with when we purchased our 2019 Kia Optima. He went out of his way to make sure all our questions were answered and also instruct us on features that were new to us. I would highly recommend him for your vehicle purchase. Our Financing experience was easy as well. Steve Stein made it a breeze. Great job guys! ”
Nice people & friendly professional demeanor.
“ Nice setup with a futuristic/modern feel. All salespeople are easily accessible because they're not sitting in offices but in an open space with enough space between each desk so customers don't feel crowded. Nice people & friendly professional demeanor. ”
Love the perks
“ Arnaldo Rivera spent time with me showing me options, answering my questions, and was not pushy at all. He was very pleasant and funny as was Steve, the finance manager. You can tell these employees are well treated and love their jobs at Kia of North Olmsted. I also love the perks I get like the free car washes. ”
Thank you Halleen Kia and Jim for making my dreams come true!
“ Jim the salesman was awesome!!! Made me feel at home as soon as I walked through the door. He genuinely cares about his customers!!! I walked in with not that good of credit and left there with a 2019 Kia Rio. I was so excited I was able to get my car that I started crying and gave him a hug for helping me and treating me & my mother like family. Great place to purchase a new or used car. If you want excellent service ask for Jim. Thank you Halleen Kia and Jim for making my dreams come true! ”
Best customer service ever!
“ If you are looking to buy a car Halleen KIA is the place to go. Knowledgeable, Reliable, Friendly, and Patient. I had a ton of questions and each one was answered. No pressure. No rushing. My salesman Gregg Zolnai was excellent. Best customer service ever! ”
Honest and friendly Staff. Great experience.
“ Honest and friendly Staff. Great experience. I was told I needed my whole rack and pinion replaced by another mechanic. Halleen Kia cleaned my power steering lines and the car runs like new! Saved me a lot of money! Great guys! ”
They exceeded my expectations!
“ My experience with Jimmy and Halleen was fabulous as usual. I have been buying cars from them for nearly 20 years. I recommend them to all my friends and family. Jimmy and his colleagues searched for me and found exactly what I wanted. They exceeded my expectations! I loved working with Jimmy for sure! What a great guy! ”
LOVE THOSE GUYS!
“ If you need a new Kia you must skip Mentor and Bedford and go over to North Olmstead and see Martial Lester and then Charles Scott. These 2 took care of everything and kept me in my price range for a great vehicle! LOVE THOSE GUYS! ”
Love Halleen Kia
“ I went on line to look for a small SUV, the on line service was quick and helpful. I made a VIP appointment they were waiting for me at the door, and the Financial part was quick and easy, Love Halleen Kia. ”
No one wants to spend 3 hours in a dealership
“ No one wants to spend 3 hours in a dealership. We knew what we wanted and what our range was. Jay Vicario and Vadym Poliuk met our needs quickly and with a smile on their faces. ”
What a easy great time no stress!
“ What a easy great time no stress! I Love my new Kia.Jay and Vadym were very helpful and answered all of our questions.very helpful ”
Great customer service!!
“ Great customer service!! ”
Great place great people
“ Great place great people ”
Service was excellent.
“ Service was excellent. Thought pricing was pretty expensive, true for most dealerships. ”
Five stars, Halleen Kia!!!
“ Five stars, Halleen Kia!!! I brought my vehicle in for servicing this past Saturday in the beautiful weather, just as the dealership was having their lunch delivered. Greg in the service department offered me a piece of pepperoni deep dish pizza while I waited for my car to be done. I was extremely pleased that I was able to stroll through the lot and enjoy the weather and my pizza in peace while waiting for my car to be done; not ONE salesmen hounded me and/or followed me around in the parking lot trying to sell me a car. Five stars and two thumbs up, Halleen Kia! I'll definitely make my appointments with Greg from now on..... At lunch time. Lol ;) Thanks for the great service and yummy pizza!!! ”
Thank You!!!!! Thank You for your honesty.
“ Thank You!!!!! Thank You for your honesty. Came in for tires, did not spend as much as I thought I would. Do not need back brakes till next oil change. Always feel comfortable coming here and that is so important for a single woman. They tell me the truth, do not feel like I am being taken advantage of!!!!! Thanks again!!! ”
Jimmy at Halleen Kia does an amazing job
“ Jimmy at Halleen Kia does an amazing job when it comes to all of my Kia needs. This is my second lease through Kia and I couldn't imagine going to anyone else! Jimmy is very patient, kind, and wants the best for his customers. Not only does he take his time with you, but he make the experience about YOU. I know that I can trust Jimmy to be upfront and honest with me and I know that I will walk out of it with the best price possible. I love my Kia and have had nothing but the BEST service from the Kia staff, especially Jimmy. ”
Don Bazzo helped us out tremendously
“ Don Bazzo helped us out tremendously, my car broke down out of town and it was a manufacturer error. He was able to speak with the other dealership from out of town and get the car shipped back to his dealership so I can pick it up from their rather than having to drive another 3 hours to go get it. I recommend going to see him, he has always treated us right! Thanks! ”
Absolutely love the customer service!
“ Absolutely love the customer service! Roger and Kevin are the best, extremely customer service oriented, are very friendly, upbeat and willing to go that extra mile for your satisfaction! I have never experience such satisfaction at s car dealership before from the time I made the very first call inquiring on the Sorrento through the sales process to oil changes and other repairs. I'm a customer for life! ”
Close
“ This is the third car we have bought from Halleen Kia. (And we still have the first one which is a 2009 and pushing $150K miles!). We actually come from out of state where we have a Kia dealership five minutes from our house, but we choose to drive nearly four hours to get the excellent service Halleen provides. Our sales consultant, Brandon Bowen, was courteous, knowledgeable and did not put any pressure on us to make a decision. Once we made our decision, the financing and delivery process was quick and smooth. Brandon also insisted on showing us all the cool features of our new vehicle. We will definitely request that Brandon assist us with our next purchase and there is no doubt we will be coming to Halleen again! ”