Not everyone walks into a dealership with perfect credit — and that’s okay. At Northern Lights Auto Sales, we help all credit types.
Here’s what each one really means when financing a car:
Good Credit (700+)
You’ll usually get the best interest rates and flexible terms. We still shop around to find the most competitive lenders available.
Fair Credit (600–699)
You may see slightly higher rates, but approval chances are still strong — especially with proof of steady income.
Bad Credit (below 600)
Don’t panic. We work with lenders who specialize in helping customers rebuild their credit with manageable payments.
No Credit / First-Time Buyer
If you’ve never financed before, you can still get approved. A stable job and proof of income go a long way.
?? Apply online and let us show you your options:
https://northlightauto.startyourcreditapproval.com
