No Credit Car Loans near St. Louis, MO

Bad Credit and No Credit Used Car Loans in O'Fallon, MO--You Can Get Financed!

No credit does not mean bad credit--and while the debate rages on over whether it's harder to have no credit score, or a bad credit score everyone can agree that financing your used car loan at Lane 1 Motors is simply a smart idea. We offer guaranteed auto financing near O'Fallon, St. Charles, Florissant, or Hazelwood for drivers with credit of all kinds, because we believe that even those with an imperfect history deserve the comfort and confidence of driving a vehicle that works, and that they like.

At Lane 1 Motors, we make it a priority to get you into a vehicle that you'll love. Check out our tips for first-time car buyers to better prepare yourself for the car buying process. That's why our finance experts are constantly scanning the market to find the best deals, learn how to get the best rates, and working to build the best relationships with local lenders. We will not accept "no" as an answer, and we're committed to guaranteeing financing for everyone.

I Have No Credit--Do I Qualify for a Car Loan?


No credit car loans are easier to apply for and are approved for than you might believe, and we specialize in making happen for local drivers. Use our easy online finance application to get started today, quickly and easily. Visit our credit building page to learn simpleĀ tips for building your credit history today!

I Have Bad Credit Due to Loans or Bills, Can I Get Financing?


Bad credit happens, and the team at Lane 1 Motors understands. Most bad credit scores happen because of an honest mistake, an unexpected medical bill, or even just getting a bad start on your credit history. Here, we offer a compassionate application process, so your bad credit car loan doesn't have to be stressful. We'll walk you through the whole process and help you improve your credit score.

Could I Be Approved for Any Type of Used Car?


You won't have to dig through bottom-of-the-barrel offerings here--unlike other used car dealerships, drivers with bad or no credit can still explore all of our available used cars, trucks, and SUVs, and be able to qualify for financing! We'll help you take a look at your budget and your finances, but we'll make sure that you find a car that you love.

Can I Afford Payments on a Used Car With My Bad or No Credit?


While you may be slightly limited if you must stay on a strict budget, don't be scared off of shopping for a newer pre-owned vehicle--we can help you build the right payment plan for your needs, whether that includes a larger or smaller downpayment, a longer loan term, or a slightly different model to make it happen. We'll be happy to help you answer the tough question of how much car can I afford?



  • Monday 9:00 AM - 8:00 PM
  • Tuesday 9:00 AM - 6:00 PM
  • Wednesday 9:00 AM - 8:00 PM
  • Thursday 9:00 AM - 6:00 PM
  • Friday 9:00 AM - 8:00 PM
  • Saturday 9:00 AM - 6:00 PM
  • Sunday Closed
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