Courtesy Ford works with All Credit Types

We Serve Drivers from All Credit Backgrounds

Here at Courtesy Ford Lincoln, we understand that life has its ups and downs. As such, not everyone visits our dealership with the same credit background. Some are still working on building up their credit, having just left college. Others got hit hard financially and are still working on building their credit profile back to what it once was. Still others may not have credit at all.

At our dealership, we understand another thing: having a car has become a necessity. Whether you need to commute to work, pick your kids up at school, take a jaunt to the grocery store, or even just get away from home for a weekend, a car is an important asset. Your credit situation does not discard this need for a vehicle. That is why our team is proud to help drivers from all credit backgrounds, so you can find and invest in your dream car.


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Even if you have bad credit, you should feel comfortable filling out our online financing form. We understand you may feel a bit uncertain about doing so. After all, there is a pervading myth that drivers with bad credit will never be able to buy a car or get an automotive loan. This is just a myth, though. It's true that bad credit can be a setback for drivers. After all, it's not the ideal scenario. But it's just that -- a setback, not a lifelong curse. So, you can fill out our online finance application understanding that we are here to help you find a car, not to judge your credit history.

From there, our team can walk you through the rest of the process. They can answer your questions, too. You are in complete control of this process, so if there is something you're unclear about, or something you don't feel comfortable with, let our team know.

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A Few Tips to Keep In Mind

Here are a few tips we recommend drivers with poor or average credit consider when they are preparing to buy a car.


Bring a Down Payment

Your down payment is one of the most effective tools you can use to lower costs and prove your financial worth. When you put money down, it shows you have skin in the game. That's why we recommend having a down payment -- anywhere from $500 to $2000, depending on the cost of the car -- that you can put down on the car when you arrive at our dealership. We do not consider down payments mandatory at our dealership, but they can go a long way to reducing your costs and safeguarding your investment.

Need vs. Want

We know that the stylish sports car may be alluring, or the heavy-duty truck may seem like the exact thing you need at the moment. However, as with many things in life, cost rules all. If those vehicles are out of your budget, we recommend checking out some other options which may be more cost-effective and will suit your needs. Plus, we have a wide array of used vehicles you can check out, where you may be able to find a similar model to the one you have always dreamed of buying.

Plan Out Your Budget

The more you know when you begin the financing process, the better off you are. While we don't expect you to have a deep knowledge of everything, especially not the nitty-gritty things, understanding your budgetary needs -- how much you can afford per month, how much you can put down, how big of a loan you can afford to take out, etc. -- can go a long way. Consider your income and your expenses, and then calculate how much you can afford to spend on a car each month. Then, stick to that budget when you come to our dealership.

Ready for a Test Drive?

If you would like to learn more, please feel free to visit us at Courtesy Ford Lincoln, located in Altoona, PA. Our team would be proud to help answer any questions you may have. We can also provide you with insight into the purchasing process.

We look forward to assisting you! We are proud to also serve folks throughout Hollidaysburg, PA; Huntingdon, PA; and Tyrone, PA.

  1. Courtesy Ford Lincoln

    401 Pleasant Valley Blvd.
    Altoona, PA 16602

    • Sales: (814) 942-3000
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Get in Touch

  • Contact our Sales Department at: (814) 942-3000
  • Monday9AM to 9PM
  • Tuesday9AM to 9PM
  • Wednesday9AM to 9PM
  • Thursday9AM to 9PM
  • Friday9AM to 9PM
  • Saturday9AM to 6PM
  • SundayClosed