Special Credit Financing


Are you in need of a car and have a unique credit situation? You can feel comfortable knowing that there are many ways for Bay Ridge Honda to help you, as we can help with special credit financing!

Drivers in Brooklyn, Staten Island, and Manhattan, NY, can use this page as their guide to learn more about how you can acquire a special credit car loan through us! Contact us to get started or if you have any questions.

Financing Your Next Ride

Regardless of your credit score, our finance center wants to help you get into your dream set of wheels. When you come in, you’ll sit down with a member of our team and explain your situation and needs, so that they can help you build a deal that works for you. You’ll feel at ease knowing that there are still plenty of options to help you get a ride you’ll be happy with.

You’ll need to apply for financing, which you can do online or in person with us. This way, you can see what options you qualify for and review them with our team. Once you and our team know what options are available, they’ll review each one in a way that’s easy to understand.

After you make your down payment (if applicable) and sign all the necessary paperwork, you’ll be off and running!

Finance Center

What Factors Contribute to Your Credit Score?

There are several factors that can impact your credit score. Your score will vary based on the institution. For example, your Equifax® score may differ from your Experian® score. However, these institutions will take these instances into account:

  • Hard inquiries: When you apply for a new line of credit, a creditor will place what’s called a hard inquiry on your account. Too many of them can negatively impact your score.
  • Amount: The amount of money you owe will factor into your score. The more you owe, the more your score will be affected.
  • Credit mix: These are the different accounts you have open. They can be student loans, auto loans, mortgages, etc.

In the next section, we’ll cover exactly how you can improve your credit score.

How to Improve Your Credit Score

Like many other things in life, your credit score can absolutely improve, and there are many ways to rehab it! Improving your credit score before you finance your car should make life a little easier. Here are some ways you can do it:

  • View your credit report and dispute any potential mistakes: If there are any mistakes that pop up, you can dispute them. If they are removed, your score should improve.
  • Make payments on time: Your payment history factors greatly into your score. Paying more than the minimum each month will help your score increase.
  • Keep credit utilization rate low: Ideally, you want to keep your credit utilization at or below 30%. Anything more than that can negatively impact your score.

Keep in mind that while your credit score will improve if you take these measures, it may not improve right away.

Credit Score

Visit Bay Ridge Honda for Special Credit Car Loans

Even if you’re in a unique credit situation, there are tons of ways that you can get behind the wheel of your dream ride! Bay Ridge Honda can help you with special credit financing. Contact us today to learn how we can help you!


Contact Us

We would love to hear from you! Please fill out this form and we will get in touch with you shortly.
  • This field is for validation purposes and should be left unchanged.


Get Directions

8801 4th Ave, Brooklyn, NY, 11209

Our Locations

Bay Ridge Honda 40.6206531, -74.0285922.