At Kunes Buick GMC of Stoughton, we believe that your past financial challenges shouldn’t define your future. Whether you’ve faced bankruptcy, missed payments, or have a lower credit score, our mission is to help you get into a reliable Buick or GMC vehicle that fits your needs—and your budget.
Why Credit Challenges Aren’t the End of the Road
Life throws curveballs. A job loss, medical bills, or unexpected expenses can impact your credit score quickly. But bad credit doesn’t mean no car—especially not at Kunes Buick GMC of Stoughton. We specialize in working with a wide range of credit situations and have built relationships with lenders who understand that people deserve second chances.
Lease vs. Finance — What’s Best with Bad Credit?
One of the most common questions we hear from customers with low credit is whether they should lease or finance a vehicle. The answer depends on your personal goals, budget, and plans for the future.
Leasing can be a smart move if your main priority is keeping monthly payments lower and you don’t plan to keep the vehicle long-term. Since leasing often requires less money upfront and gives you access to a newer vehicle, it’s a good option for building credit while driving something reliable.
On the flip side, financing is a better fit for those who want to own their vehicle outright and are willing to invest more each month. You’ll have more flexibility in terms of mileage and vehicle usage, and eventually you’ll have a car that’s fully paid off.
Not sure which is right for you? That’s exactly what our finance consultations are for—we’ll help you figure out the best path forward, based on your unique situation.
Top Questions from Bad Credit Buyers
Can I actually get approved?
Yes, and we do it every day. We’ve built strong partnerships with lenders who specialize in working with all types of credit backgrounds—including subprime loans.
Will I need a big down payment?
Not necessarily. Many of our lenders offer flexible down payment options. If you have a trade-in, that can help reduce the upfront cost too.
Is my interest rate going to be sky-high?
Interest rates vary based on your credit profile, but we always shop for the best terms possible. And with on-time payments, you may even qualify to refinance at a better rate down the road.
How long does the process take?
You can apply online in just minutes—and once you’re pre-approved, our finance team moves quickly to find the right car and loan for you.
The Kunes Advantage: Support Without Judgment
We’re proud to serve the Stoughton community with compassion, transparency, and practical solutions. Our goal isn’t just to sell you a car—it’s to help you rebuild confidence and credit while getting you into a vehicle you can count on.
At Kunes Buick GMC of Stoughton, you’ll find:
- A wide selection of new and certified pre-owned GMC and Buick vehicles
- A team of non-judgmental credit specialists
- Friendly, clear communication from start to finish
- A pathway to rebuilding credit and financial freedom
