No Credit? Bad Credit? We Can Help!

We Help All Customers Get the Financing They Need

We Help Drivers With Bad or No Credit at Lexus of Sacramento

Here at our Lexus dealership, we know that credit scores do not tell the whole story. However, they play a part in whether or not people can finance a vehicle. With that in mind, we make sure to provide finance solutions for all those with poor credit or no credit, and will work with you to find a vehicle within your price range that fits, and a payment plan that can work for you here at our dealership.

Get Started So We Can Help You Secure Financing

We provide many tools to all those looking to buy or lease new or pre-owned vehicles from us which allow you to have a convenient shopping experience. This includes saving time at the dealership or getting a head start on the process via our website. Some of these features for Sacramento drivers are:

  • Seeing current offers and specials from our new or pre-owned selection
  • Using our secure finance application to begin the process and save time
  • Online payment calculators and trade-in value estimators so you have a better idea of what a vehicle bought from us might cost


Lexus of Sacramento

2600 Fulton Avenue
Directions Sacramento, CA 95821

  • Sales: 916-465-6330
  • Service: 916-465-6330
  • Parts: 916-465-6330


  • Monday 9:00AM-7:00PM
  • Tuesday 9:00AM-7:00PM
  • Wednesday 9:00AM-7:00PM
  • Thursday 9:00AM-7:00PM
  • Friday 9:00AM-7:00PM
  • Saturday 9:00AM-7:00PM
  • Sunday 10:00AM-6:00PM

Let Us Help Improve Your Credit Too

Not only are we here to assist those with less than stellar credit to get an auto loan that is sensible within their range, but we can also aid in repairing credit and putting you back on track toward a better credit rating. Whether you have a low score or are someone who doesn't have any established credit, we can secure you an auto loan with a payment that you can make monthly. Once those payments are made on time each month, it gets reported to credit agencies. A consecutive string of on-time full payments on your auto loan can improve your score. That's because the type of debt is different from revolving lines of credit, which most of us have on our credit cards.

When you make all the payments and pay off the loan in full, that is a big success for you, and for the reporting agencies. It allows you to have access to equity from the vehicle you have selected, and if you're ready for a vehicle upgrade, you can use that as a future down payment or take the value in cash if you sell your car to a dealership like ours serving Sacramento.

Learn More About Your Low or Bad Credit Auto Loan Options

Whether it is because of student loans, medical bills, divorce, or the downturn as a result of the pandemic in recent years, that should not deter you from getting a vehicle. We all need them to get to work, pick up the kids, or enjoy activities for ourselves. That's why at Lexus of Sacramento, serving those in Woodland, Elk Grove, Citrus Heights, and Davis, we can work with you to find a plan that is best for your needs, and get you behind the wheel of a vehicle and on the path toward restoring some credit.