Finance Center

Lexus Financing
& Credit Repair Center

Bad things happen to good people.
Let's make it right at Lexus of Greenville.

Lexus of Greenville is your local new and used car dealer that has all of the answers to your credit questions and inquires. Our sales team is qualified and experienced to assist you with any and all credit repair issues. Credit repair is our specialty and we are experienced in getting customers qualified for new or used vehicle loans.

Cards

How to Build Your Credit

Good credit, bad credit, credit damage, no credit, and credit repair. The word credit alone often causes stress in the minds of consumers. However, credit should not have to be associated with stress. Here at Lexus of Greenville we specialize with working with customers who are experiencing credit difficulty. We understand that personal and financial hardships may affect one's credit score and flexibility to pursue transactions such as purchase a home or buy a car, but we are no ordinary dealership. We have the patience, passion, knowledge, experience, drive to work with credit challenged customers and provide them with a helpful, knowledgeable car buying experience.

Need some pointers?

Divorce
Pay your bills on time; make payment before or on the expected due date. Creditors report the account to the credit bureaus when a payment is 30 days late or more.
Continue to establish credit history. Keep your accounts in good standing because this establishes trust with creditors and can only boost your credit score.
Foreclosure
Focus on re-building your credit and keep your current accounts in good standing.
Keep your foreclosure isolated as a single negative item as if it were a mortgage account. This will be less damaging to your credit score.
Debt
Prioritize which loans, cards, and lines of credit are the most imperative and realistic to pay off within a set amount of time and avoid closing accounts.
Limit credit card use. The ideal balance to credit utilization ratio is 30% or lower.
Bankruptcy & Unforeseen Bills
During bankruptcy, focus on re-building your credit by opening a credit card. Charge minimally and pay consistently. Open 1-3 accounts that will benefit your credit score.
Communicate with your medical, financial institution and creditors. There are many programs that assist consumers, customers, patients or students with high bills or mounts of debt.
Car

Let's figure out what's wrong.

Can I get approved for a car loan with bad credit?

Definitely, our finance team includes members who specialize in bad credit scenarios and will work diligently to get your approved for a car loan.

I just started a new job, can I get approved for a car?

The answer is yes. All our sales specialist needs from you is a pay stub, proof of income or job verification and we will work with you to get you approved for an auto loan.

I filed for bankruptcy, is my credit good enough to get approved for a car loan?

Although a bankruptcy could stay on your credit for up to 10 years, you can still get approved for a car loan with our help. It can also help you rebuild your credit score.

Can I get approved for a car loan if I am in debt?

Yes, whether you have credit card, student loans, or a home mortgage, our sales team is qualified to get you approved for a car loan. We work with numerous financial institutions on a daily basis that understand high debt circumstances so we are still able to get customers approved for a new or used car loan regardless of debt.

I just got out of a divorce, am I able to get approved for an auto loan?

Despite any division of assets or accounts, we can still get you approved for an auto loan. Our sale team works with divorcees on a daily basis and we understand the credit difficulty that a divorce can cause. We can get you approved for a loan that fits your new lifestyle and readjusted finances.

Stop by for more.

Come over to Lexus of Greenville to work with one of our credit specialists.

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