
Bad Credit Financing in Kilgore, TX
Bad credit shouldn't keep you off the road. At All Star Ford Kilgore we specialize in helping East Texas shoppers-no matter their credit score-get approved for affordable auto loans on new Ford models and dependable used vehicles.
Bad Credit Financing at All Star Ford Kilgore
Bad credit shouldn't keep you off the road. At All Star Ford Kilgore we specialize in helping East Texas shoppers-no matter their credit score-get approved for affordable auto loans on new Ford models and dependable used vehicles.

In-house credit specialists who understand challenging credit situations.
Network of local & national lenders competing to offer you better rates.
Credit-building loans designed to help improve your score with on-time payments.
Large Selection of inventory of new F-Series trucks, Bronco Sport, Mustang, plus budget-friendly used cars, trucks, and SUVs.
In-house credit specialists who understand challenging credit situations.
Network of local & national lenders competing to offer you better rates.
Credit-building loans designed to help improve your score with on-time payments.
Large Selection of inventory of new F-Series trucks, Bronco Sport, Mustang, plus budget-friendly used cars, trucks, and SUVs.
-
All Star Ford Kilgore
1615 Hwy 259 North
Kilgore, TX 75662
- Sales: (903) 984-2006
Apply Online or In-Store - A simple, secure application takes just minutes.
Speak with a Bad-Credit Specialist - We review income, budget, and goals, not just a number on a credit report.
Explore Tailored Loan Options - Compare term length, down-payment, and APR offers.
Pick Your Vehicle - Choose any qualifying new Ford or pre-owned model that fits your approval amount.
Drive Home & Rebuild Credit - Make timely payments and watch your score rise.
Q&A for Shoppers in Kilgore, TX
1. Can I get a car loan with bad credit in Kilgore, TX?
Yes. All Star Ford Kilgore partners with lenders that approve buyers with scores below 600, past bankruptcies, or limited credit history.
2. What credit score do I need for a Ford loan?
There's no set minimum-lenders weigh income, debt-to-income ratio, and down-payment just as heavily as the score itself.
3. Will applying hurt my credit?
A single application results in a soft pull; a hard inquiry appears only after you choose to proceed with funding.
4. How much should I put down on a bad-credit auto loan?
A 10 % down-payment often secures a lower rate, but zero-down options are available for well-qualified applicants.
5. Can I finance a used truck or SUV with bad credit?
Absolutely. Our lot includes certified pre-owned F-150, Ranger, Explorer, and third-party trades-all eligible for subprime financing.
6. Do bad-credit loans have higher interest rates?
Rates reflect risk, but our lender competition and manufacturer incentives help keep payments affordable.
7. How soon can I refinance after improving my score?
Many customers refinance after 12 on-time payments-sometimes sooner if their score increases significantly.
8. Will a co-signer increase my approval odds?
Yes. Adding a credit-worthy co-signer can lower your interest rate and open higher-priced vehicle options.
9. Are there special bad-credit programs for first-time buyers?
Yes. Ask our finance team about Ford First-Time Buyer and College Grad programs that waive certain credit requirements.