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At Mtn View we've been treating our customers like our family for over 30 years. Our customers are very comfortable coming in with all kinds of credit situations because we understand there are situations that are beyond your control and we’ll take care of you.

With our in house Credit Restoration Specialist, 95% our customers get same day Credit Approval.

It’s our goal to make sure that all our customers are provided with the most affordable financing options with every vehicle you buy from Mtn View CDJ. More importantly, you’re treated with the respect and the courtesy of keeping your financial situation in confidence.

We handpicked our automotive lenders based on their willingness to understand your unique situation, especially with unforeseen circumstances, their ability to making things work for you, and have a positive outlook on your financial future.

Since we help with financing for our customers with all kinds of credit every day, we also ask our lenders to look further than the current FICO score and take into account things that other banks ignore or don’t know. In our mind, you're not a score - you're our customer!

Believe it, you're much closer today than you think to owning a great vehicle from Mtn View CDJ with affordable financing.

Get started today by filling out our secure credit application.


Credit Challenged/ Bad Credit Auto Financing FAQ

Can I qualify for a car loan with bad credit, no credit or a bankruptcy?

Yes. With a minimum income as low as $300 per week, you can qualify for a vehicle with the Mtn View CDJ Credit Building Program. The Credit Building Program is designed to allow an individual to get into a reliable vehicle and begin building credit. Each situation is different so you will have a no-obligation consultation with one of our credit specialist who will outline your options. That way, you have all of the information to make a great decision.


How much will I get pre-approved for?

With our Credit Building Program, you will get pre-approved for a vehicle, not a dollar amount. Banks lend different amounts on different vehicles, depending on your situation. Our credit specialists work backwards into finding the right vehicle at the right payment and not trying to get a bank to send us an exact dollar figure. Our customers love this because if we just get a dollar amount, and you fall in love with a vehicle, you don’t get the disappointment of not being able to be approved on that vehicle.


How much money will I need for a down payment?

A Down Payment is a wonderful tool when you are buying a vehicle. Down Payments decrease the amount of your monthly loan, and it also shows the lender that you are committed to buying and paying for your vehicle. Some lenders require a down payment, but each situation is different. When you get started with your credit specialists, let him or her know what your goal is for a down payment. We will do our very best to work with any budget!


Can I use my current vehicle as a down payment?

Yes! Your paid-for vehicle is a great way to reduce your monthly payment or amount that your lender requires. Even if it is not currently running, let your credit specialist know you have a vehicle you are considering trading in. Be sure to bring the title and the vehicle with you to your appointment.


Can I still trade-in my current vehicle if I owe money still on my current vehicle or it is currently in a title loan?

Yes! If you owe money on your vehicle, when we work out the details, we will show you whether you have positive or negative equity in your vehicle (if you owe more or less than it is worth). If it has positive equity, we will pay off the remainder of your loan and apply the remainder as a down payment. If you owe more than the vehicle is worth, we will review your options. In many cases, you can finance the negative equity in your new car. Although this isn’t ideal, the great news is that you will be in a nice, reliable vehicle and will be building your credit for next time.


What type of car can I get pre-approved for?

When you sit down for your consultation, please let your specialist know about the types of vehicles that work best for you. Then, our credit specialists work backwards into finding the right vehicle at the right payment. Our customers love this because if we just get a dollar amount, and you fall in love with a vehicle, you don’t get the disappointment of not being able to be approved on that vehicle.


Will credit inquiries affect my credit rating?

In order to apply for a vehicle loan your credit specialist must run your credit. In order to offer you the best options, our Credit Manager will shop around for the best deal possible from our lenders. These will show up as inquiries on your credit report, and often you will receive mail from the lenders who did not approve you at the aggressive terms we requested.

Typically, if you shop for a short period time for only one type of large purchase from only a couple of lenders, the effect on your credit rating will be minimal. If you shop a lot of dealerships over the course of several months, you can lower your credit score significantly. That’s why it’s important to choose the right dealer who has the tools available to get you approved for a vehicle the first time.


What are the minimum qualifications to get pre-approved?

Many of our lenders have no minimum requirements. Some of our lenders have low, minimum income requirements for our more credit challenged customers. Each auto loan application is evaluated based on the credit profile and equity position. An applicant with previous good auto credit, for example, may not have to meet income and job time requirements; whereas an applicant with a recent repossession or a current bankruptcy may.


I had a vehicle repossession less than a year ago. Can I still pre-qualify?

Yes, we can often pre-qualify customers with recent repossessions.


I've never had credit before. Can I get pre-approved?

The Mountain View Chrysler Credit Building Program works great for first-time buyers or those without any credit also! The Credit Building Program is designed to allow an individual to get into a reliable vehicle and begin building credit. Each situation is different so you will have a no-obligation consultation with one of our credit specialist who will outline your options. That way, you have all of the information to make a great decision.


Will I need a cosigner to get pre-approved?

If you do not meet the minimum requirements, a cosigner may be necessary. At Mtn View CDJ, we have the highest approval percentage in the region without a cosigner so we will work hard if you prefer not to have a cosigner. If you choose to have a cosigner, a cosigner with a higher credit rating than you will help you get pre-approved and often at a lower interest rate. However, our lenders make the decision on whether one is required so the requirement to have one is based on each individual circumstance.


Should I find a car first before applying for an auto loan?

To qualify for the credit building program, you should not fall in love with a vehicle first. We recommend that you meet with one of our specialists who can review your vehicle needs. Then, your credit specialist will work backwards into finding the right vehicle that works for your needs and budget. Our customers love this because if we just get a dollar amount, and you fall in love with a vehicle, you don’t get the disappointment of not being able to be approved on that vehicle.


What will the interest rate and term be on my car loan?

This is a very good question for which there is not a direct answer. Rates are based on your credit profile and the equity position of the loan. We will get you the best rate based on your credit profile. The higher your credit rating and down payment, the lower your rates will be. Also, the type and model year of the vehicle plays an important role.


Can I use an auto manufacturer's employee discount (Affiliate Rewards)?

Yes. Let your Mtn View CDJ Auto Loan Specialist know that you qualify for the discount and it will be applied toward your new car purchase.


I've been turned down before. How can Mtn View CDJ help?

At Mtn View CDJ we use state-of-the-art technology that evaluates your credit profile, available inventory, income, as well as debt factors. Our process ensures that each application has the best possibility of approval prior to submission.


What are the next steps?

We have streamlined the loan pre-qualification process by using a single secure online application. This simple online form allows you to apply for credit from the comfort & privacy of your own home. Once the form is submitted, our customer service department will call to set up your one-on-one appointment with one of our credit specialist.



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Sales: (706)-935-2328  
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