Second-Chance Auto Loans near Medina, NY
My Credit Is Bad, Can I Get an Auto Loan?
We've all been faced with monetary hardships, some more than others. For that reason, the Zoom Auto Credit team is here to assist those who require a set of wheels, even if their credit score isn't as high as they desire. In addition to a superb selection of rides to choose from, you can obtain a second-chance auto loan at our location.
Second-Chance Auto Loan
Also considered a subprime auto loan, these loans are essentially as their title suggests. A credit score is a numerical spectrum that can suggest how quickly you pay back any borrowed funds. If that number is between 720 and 850, it's considered excellent. Scores ranging from 690 to 719 are deemed good, while 630 to 689 is fair. If you range in the latter, you can qualify for this specific loan. This is a great opportunity to build up your credit, which can benefit you in the long run, as this system can aid determine your eligibility when considering larger investments.
Value Your Trade
When it comes to investing in a pre-owned vehicle, it is essential that you present as much money as you can up front. For that reason, we highly encourage you to trade in your current car to offset the total amount of what you will owe. Once an appraisal is calculated, it can be added onto your down payment. As a result, your monthly rate will be even lower, bringing you closer to full ownership of the model you've chosen from our lot. To earn top-dollar, we highly recommend thoroughly cleaning the interior and exterior of your ride. After that, be sure that it is up to date on any maintenance intervals.
Budgeting
Along with getting a leg up on your payment plan by trading in your car, we urge you to consider planning out a budget before taking the plunge towards investing in a new-to-you ride from us. We'd love to help in this aspect as well! First, layout all of your monthly bills and add them up, which should then be subtracted from what you make that month. That leftover amount should be what you can contribute towards the vehicle you have your eye on. Of course, it is always good practice to leave some extra wiggle room in the event you are faced with any emergencies.
At Zoom Auto Credit, we're prepared to assist with second-chance auto loans near Medina, NY. We look forward to you meeting with us during our convenient business hours.
Sales Hours
866-388-8491
| Monday | 10:00 am - 8:00 pm |
| Tuesday | 10:00 am - 8:00 pm |
| Wednesday | 10:00 am - 8:00 pm |
| Thursday | 10:00 am - 8:00 pm |
| Friday | 9:00 am - 5:00 pm |
| Saturday | 9:00 am - 5:00 pm |
| Sunday | Closed |
Dealership Information
Testimonials
Jimmy was a good professional salesman
Vinny was great
“ GMC 1500 limited. Vinny was great. Delivered truck. Great conversation doing paperwork. 2019 drives like new. ”
great experience!
“ Love my new car! Very nice, professional, friendly and we had a great experience! ”
Great experience
“ Great experience ”
Great people
“ Process was fast and everything was handled professionally. Austin and Ryan were good people. ”
Good customer service
“ Good customer service, and especially from joangel who was attentive at all times with me and my wife ”
These guys were great!
“ These guys were great! Although we had went there on a Monday to meet with a employee who never showed up just left for the day without letting me know… but another employee “Kevin” took care of us and got us in the car we wanted! Thank you to Kevin and the guys at zoom/crazy cheap cars! ”
Great place to buy a car
“ Great place to buy a car ”
Definitely recommend!
“ I love my Lexus! Joey, thank you so much for making this work for me. I have an awesome car and my payment IS NOT through the roof. Everyone at the dealership was so nice to me. I would recommend anyone needing a vehicle to go to Zoom and let them see what they can do for you. ”
These guys are the best!
“ These guys are the best! Their selection in great. There customer service is even better. Can't wait to do business with them again! ”
Good service
“ Good service ”
If you need a vehicle this is the place you should come to without a doubt.
“ If you need a vehicle this is the place you should come to without a doubt. ”
Highly recommend these guy's.
“ These guy's truly went above and beyond to get my wife and myself in a new vehicle. After many failed attempts at other dealerships these guys managed to get us approved for the vehicle we wanted. The same vehicle we looked at elsewhere was over 600$ a month for a payment, they managed to get us around 200$ a month and still didn't stop there, they went even a step further and managed to help us with a new car insurance saving us hundreds every payment. Truly am grateful for Conan and Kevin and the whole Zoom family for all they have done for us. Highly recommend these guy's. ”
Great Service from beginning to End.
“ Great Service from beginning to End. One Note: if you have any issue with any vehicle make sure to keep communication open. The Owner is a great person and will help where he can. ”
Very pleasant experience purchasing the new ride!
“ Very pleasant experience purchasing the new ride! Ron was helpful without being pushy... much appreciated? ”
These people are great! I will buy my next vehicle from Zoom.
“ I called to register for appointment after receiving mailer of huge sale and prize give away. I had no intention of even looking at a new vehicle, but getting a $20 Walmart gift card was worth the 35min ride. Of course I wasn't expecting to win 1 of the top 5 prizes since I read the mailer. I was treated respectfully and cheerfully even after i informed Donnie the event specialist i am just here for my gift card. After Donnie registered me I was shocked when my numbers matched the winning numbers for $250. The team there all congratulated me enthusiastically and I was offered a bowl of homemade soup by the manager. These people are great! I will buy my next vehicle from Zoom. ”
Amazing service by everyone from start to finish!
“ Amazing service by everyone from start to finish! ”



“ Jimmy was a good professional salesman and cut straight to the point I recommend talking to him if your trying to purchase from here ”