Bad Credit Car Financing on Long Island
A credit score is a number. It isn’t the whole story, and it doesn’t have to keep you off the road. At Family Automotive Center in Port Jefferson Station, we work with a network of lenders who look at more than the score — job history, income, down payment, and the vehicle itself all count. Bad credit, thin credit, no credit, past repossession, rebuilding after bankruptcy: bring us the real story and we’ll work with it.
We’re a small family dealership, not a big-lot finance office. That means the person structuring your deal is the same person who shook your hand — and we’d rather put you in a car you can actually afford than stretch you into one you can’t.
Approval, rate and terms depend on the lender and your credit.
How it works
- Apply online in minutesThe application is short and secure, and it doesn’t obligate you to anything. Prefer paper and a handshake? Come in — we’ll do it together.
- We match you with a lenderWe work with multiple lenders that specialize in every credit tier, including programs built for buyers rebuilding credit.
- Pick your car with a real budgetYou’ll know your terms before you fall in love with a vehicle — not after. Every car we sell is inspected in our own service shop.
What to bring
Not sure you have everything? Call first and we’ll tell you exactly what your situation needs. No wasted trips.
- Driver’s license
- Proof of incomeRecent pay stubs, or bank statements if self-employed
- Proof of residenceA utility bill works
- Down paymentMore down means better terms, but talk to us either way
- ReferencesA few names and numbers
Why buy from a shop, not just a lot
Every vehicle we finance is inspected by the same mechanics who service our customers’ cars every day, and each car’s warranty is printed on its Buyers Guide: New York’s used-car warranty where the law gives one, and an extended warranty if you want more. A car loan only works if the car keeps running. That’s the part big lots don’t have to stand behind. We do, because you’ll drive past us on Route 112 every week.
We’ve been family-owned in Port Jefferson Station since 2011, and a lot of our financing customers are on their second or third car with us — because the first one rebuilt their credit.
Frequently asked questions
Still not sure? Call sales at 631-400-5334.
Can I get approved with a repossession or bankruptcy in my history?
Often, yes. Our lenders have programs for buyers with past repossessions and discharged bankruptcies. The decision depends on your current income and stability, not just the past — apply and let’s find out where you stand.
Do I need a down payment?
Most subprime programs want one, and honestly it works in your favor: more down means lower payments and better approval odds. Bring what you can and we’ll structure around it.
Will applying hurt my credit score?
Applying involves a credit check, which can have a small temporary effect. What actually rebuilds your score is making the payments on time — an auto loan reported monthly is one of the fastest ways to rebuild credit.
Can a first-time buyer with no credit history get financed?
Yes — no credit is a different story than bad credit, and several of our lenders have first-time-buyer programs. Steady income matters most.
Is approval guaranteed?
No honest dealer can promise that — approval decisions come from lenders, not from us. What we can promise: we’ll present your application to the lenders most likely to say yes, and we’ll tell you straight what will and won’t work.
Start today
Apply online now, or come see us at 1575 Route 112, Port Jefferson Station — minutes from Coram, Selden, Mount Sinai, and Stony Brook. Mon–Fri 8–5, Sat 8–2.
Approval, rate and terms depend on the lender and your credit.