Sub-Prime Auto Loans

Sub-Prime Auto Loans at Tom Kadlec KIA

If you have had challenged credit in the past, whether it was due to bankruptcy, foreclosure, divorce, collections or even simply late payments, we can help you get the financing that you need. Having a credit issue is nothing to be ashamed of and you aren’t alone. Over 30% of today’s automotive buyers who apply for a conventional auto loan do not qualify. Tom Kadlec Kia is here for you! Our team of credit experts has 30+ years of experience helping drivers in the Austin, Owatonna, Winona, Mankato, Stewartville and Kasson areas to purchase new KIA vehicles as well as quality, pre-owned off-brand cars, trucks, SUVs and vans.

At Tom Kadlec KIA, we want you to enjoy the process of financing a vehicle and reduce any associated stresses. We understand that consumers today are busy and don’t have the time to go from dealer to dealer to try to get approved. We offer a one-stop, wall-to-wall service that guides you through the entire financing and car-buying process.

Challenged Credit? We're Here to Help

If you have ever been turned down for an auto loan, or haven’t yet established a credit rating, don’t be discouraged. Everyone at some point has had less than ideal credit. Speak to one of our friendly credit specialists today and we will help you determine your budget, factoring in all your expenses to find a payment that will suit your needs. We’ll work with you to negotiate a payment plan that will allow you to pay off your investment and build your credit score. Your payments are reported to all the major credit bureaus so let us help you re-establish your credit while you drive a quality, reliable vehicle.

Bankruptcy – Whether you have Chapter 7 bankruptcy or Chapter 13 bankruptcy, we can help. Our bankruptcy auto loan programs are designed to get you behind the wheel of a vehicle that can get you to and from work. If you have just filed for bankruptcy, you likely don’t have $3,000 or $4,000 for a down payment. We have some of the best bankruptcy auto loan programs in Minnesota, many with $0 down payment! Contact us today to see whether you qualify for a $0 down payment auto loan

First-time Buyer - Car loans are a fast and easy way for first-time buyers to establish and build credit. Whether you’re headed to college or venturing into the work force, Tom Kadlec Kia makes it fast and EASY to get behind the wheel of a quality vehicle! Complete this simple four-step application and we will contact you with customized financing options.