5 Steps to Get Approved with Bad Credit

Bad credit doesn’t have to stand in the way of getting behind the wheel of a reliable used car. At Tennessee Auto Outlet, we’ve helped hundreds of customers with challenged credit secure financing in under five minutes. Follow these five steps to turn your credit setback into a set-up for success:

1. Check Your Credit Report
Obtain a free copy of your credit report from?AnnualCreditReport.com. Verify there are no errors dragging your score down (e.g. old collections or mis-reported late payments). If you spot inaccuracies, file a dispute right away—every point counts.

2. Save for a Realistic Down Payment
Even $500–$1,000 makes your file far more attractive to lenders. Set aside a small amount each week or use a tax refund. A down payment shows you’re serious and reduces your loan-to-value ratio, which means lower rates and a higher chance of approval.

3. Gather Your Paperwork
Have these documents ready before you apply:

  • Valid driver’s license or state ID

  • Proof of income (recent pay stubs or bank statements)

  • Proof of residence (utility bill or lease agreement)

Having everything in hand speeds your approval from days to minutes.

4. Choose the Right Lender
We partner with a network of banks, credit unions, and sub-prime specialists who understand that life happens. Tell us your down payment, income, and past issues (repos, bankruptcies, etc.) so we can match you to the lender most likely to fund your deal.

5. Apply Early & Follow Up
The quickest approvals happen first thing in the morning—lenders clear out their queues overnight. Submit your pre-approval form online or on-lot by 10?AM, then check in once if you haven’t heard back in an hour. We’ll handle the rest.

Ready to get approved?
Click Get Pre-Approved now (it takes about 5 minutes), or call/text?423-790-5542 to speak directly with a finance specialist.
1601?S?Ocoee?St, Cleveland?TN?37311 • Mon–Fri 9?AM–5?PM, Sat 10?AM–3?PM