Do you have to have bad credit to shop at O'Gorman Motors? While we specialize in helping people with bad or no credit, you do not need to have credit issues to be an O'Gorman customer! In fact, we offer a program specifically for people with good credit with APRs as low as 2.9% on approved credit. Ask your Sales Advisor for details and terms or call our approvals line

Will you accept financing from my bank or credit union? Absolutely! Typically, your lender will set guidelines for what vehicle you are financing. Let your Sales Advisor know what your bank's criteria is, then you can go begin to browse our inventory. If you don't have a preferred lender, you can start your approval online with O'Gorman Motors..

These days, few individuals have the money to purchase an automobile outright. With the cost of living rising along with automobile prices, it’s now rare to see somebody walk into a dealership and take a newly bought car right off the lot. We’re, of course, talking about traditional car dealerships, where typically new and used cars are sold.

Buy here pay here car dealerships, however, are used to these scenarios, and this is because these dealerships work directly with borrowers. They don’t have to wait on third-party approval, so they’re able to get borrowers set up with a new vehicle and a first-rate auto financing plan in no time. The secret is that bad-credit car loans in NJ are easier to obtain now than they have been in the past, and this is one reason why those with poor credit history are inclined to use buy here pay here dealerships.