Keys & Credit
Keys & Credit


 If You Need A Reliable Vehicle But Struggle From Bad Credit We Can Help!We Finance  Bad Credit, Past Repos & Bankruptcies! Call Us Today!



Here at Keys & Credit, we help good people who have experienced bad luck in their past or just never found someone to give them a chance!  So don't let bad credit or no credit stand in your way from getting the auto financing you need. 

Bad Credit? Need A Car? Keys & Credit Is Your Solution!

*Minimum Requirements For Financing *

1)  Valid Drivers License

2)  $1200/Month Gross (Household) Income*

3)  Proof Of Residence (Lease, Utility Bill, Or Mail *Less Than 30 Days Old*)

4)  Personal References 

5)  Have The Desire To Rebuild Credit

*  Acceptable Income Are As Follows: Employment (With Paystub and/or Bank Statement), If Self Employed (1099, Last Years Tax Return, Business License, Bank Statements and/or Invoices), Social Security (Award Letter and/or Bank Statement)..

**  Meeting The Minimum Criteria, Doesn't Guarantee Approval.  All Loans Are Subject To Final Underwriting Requirements.  Down Payment, Interest Rate & Terms Vary & May Be Subject To W.A.C. (With Approved Credit) Conditions, Depending On The Vehicle and/or Dealer.  If You Are Currently In A Chapter 13 Bankruptcy, We Will Need A Notarized Letter From The Trustee, Granting Permission For You To Obtain Vehicle Financing.  If You Are Currently In Or Have Had A Discharged Chapter 7 Bankruptcy, We May Ask For Documentation, Based On The Financing You Need.  For Example:  Discharge Papers and/or Proof That You Have Completed The "Meeting Of The Creditors" Stage.  All "Buy Here Pay Here/In House Financing" Subject To Service Area Restrictions.  Feel Free To Contact Us With Any Questions At 208-912-7031 Or Email Us For More Information **

*** All Special Promotions Are Subject To Restrictions.  Dealership Participation May Vary.  Please Contact Us At  208-912-7031  For Details...  ***

With over 17 years in the business, we have helped thousands of consumers, just like you, obtain "No Hassle" car loans with a warranty at a low payment that is affordable, regardless of past credit history.  Whether you have had 1 or multiple repossessions, foreclosures and even a bankruptcy, we can help you get on the road today!  We are not concerned with low credit scores or collections such as medical bills, judgments, utility, credit cards, etc.  We even welcome "First Time Buyers" who seek a bank or lender whom will give them a chance to build credit!  We will, of course, report your timely payments to all 3 major credit bureaus (Experian, Transunion, and Equifax).  As if that isn't convincing enough, our Preferred Dealers offer a warranty, carfax and/or auto check on every car, truck or SUV!  Get approved for the loan you need, drive with peace of mind and get rewarded for the "on time" car payments you make so you can improve your credit score!  This, as we like to call advancement, leads to lower interest rates when you purchase your next vehicle or obtain a mortgage on a house. 

Serving Ada, Canyon, Gem County, Nampa, Caldwell, Boise, Eagle, Emmett, Mountain Home, Meridian, Kuna, Garden City, Middleton, Treasure Valley, 83701, 83702, 83703, 83704, 83705, 83706, 83709, 83720, 83605, 83607, 83616, 83617, 83714, 83642, 83644, 83647, 83651, 83686, 83687, 83634, 83626, 83639 & All Areas In Between! 

Contact Us (Ask For John)

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