Challenged Credit Auto Loans near Richmond, VA
When you shop with Sheehy Toyota of Fredericksburg, we believe that your credit score shouldn’t prevent you from purchasing a vehicle. That’s why we offer a credit program for those with challenged ratings! Continue reading to learn more.
Apply for Financing
If you were concerned that a low credit score meant you’d be unable to finance a vehicle, you will be relieved to know that this is not the case. Whether your rating has fallen due to a missed payment or a hefty purchase, you aren’t without options. You can fill out our Finance Application so that we can validate your eligibility. After we review your form, you’ll be sent different loan choices, and you can choose the one that best fits your financial needs. The lender will then send us a check on your behalf. You’ll then head through Richmond down to our location so we can set up your insurance and payment schedule.
Tips for Lower Monthly Costs
It can be intimidating to begin a financing plan for a vehicle. However, we are here to advise you on how to get lower monthly payments. One way to do so is to choose a used or lower-cost car to drive across Chamberlayne Avenue. If you wish to buy new or would like to reduce your reimbursements further, consider using our Value Your Trade tool. With this, you can barter your current vehicle in exchange for a vehicle from our showroom floor. This lowers the down payment that you will make and the total balance.
Improving Your Credit
If you have a poor credit rating, you will likely want to find ways to raise your score. This is because having a higher number leads to lower interest rates on loans, along with better offers altogether. To get a better rating, you need to prove to lenders that you are reliable. So, you can finance a vehicle from our location. Doing so allows you to make routine payments, therefore showing you are responsible with making reimbursements. Paying off your agreement on schedule also increases your score. As you can see, financing a car can help with your credit score. Our Finance Department is available to answer any questions you may have about the purchasing process. We can’t wait to find you a Toyota to take across Laburnum Avenue!
Why Should You Increase Your Credit Score?
- Increasing your credit score presents you with lower interest rates and better loan opportunities.
Dealership Information
Testimonials
“ Always a great experience with Sheehy, William has always worked with us to find us what we were looking for. Will continue to go back to Sheehy for my vehicle needs. ”
“ Excellent customer experience, thank you ”
“ Great professional staff, and service. ”
“ Joey Staats got my car serviced and out much sooner for me to make my next medical appointment! Thanks ”
“ Brian was very knowledgeable and helpful. ”
“ I felt very comfortable working with my salesman, Solomon, and his team of colleagues. The experience, and the people my husband I worked with meant a great deal to me ”
“ What an amazing car buying experience! I never would have imagined a dealership having this many friendly people all in one store. From the front to the back. My Sales Consultant, William Wallace, was extremely knowledgeable about the Tundra that I wanted. He knew all of the vehicle features and he was able to confidently answer all of the questions that I had. General Sales Manager, Matt Winters, took special care and extra time to ensure a very solid and fair value for my trade-in truck. Sales Manager, Chris Conroy, kept the atmosphere of the sales floor upbeat and humorous. All of the employees, and myself, were constantly chuckling at his variety of jokes and light humor. Once I reached the finance office, Finance Manager, Keith Offenberg, was such a friendly and upbeat person to work with to finalize my purchase. Should I ever need another vehicle there is only one place that I will return to. In addition, I have already bragged about this dealer to others and I will recommend them to anyone I come across who is in the market for a vehicle. This experience was well worth driving the 98 miles for!!! ”
“ Great service consistently ”
“ Outstanding Service ”
“ My service advisor was very helpful in explaining everything. ”
“ Great service! However, you might want to avoid the coffee. ”
“ I love Sheehy Toyota of Fredericksburg! Service is always excellent. I went early for state inspection and I was out in a little over an hour! The staff are very knowledgeable, professional and courteous. I especially appreciate the video from the mechanic that they send to let you know your car is done and if there's any recommendations for future maintenance to keep your car running smoothly for years! ”
“ Everything went smooth. They even sent me a short video after the state inspection was completed. ”
“ They were extremely helpful and easy to deal with. They were also the only dealer that wasn’t charging over sticker for my vehicle. Highly recommend. ”
“ Great service. ”
“ Quick & efficient ”
“ Best experience Brian shipman was great explaining everything breaking down all the things I needed overall great customer service ”
“ Erick is a great parts department contact. The dealership is efficient and stays in communication during your service appointments. Mr Duckett in finance is the best there is in Fredericksburg. ”
“ Great service, fast and easy ”
“ Great Dealership and people to work with. Matt Winters went above and beyond with assisting on my purchase Thank you ”
“ Extremely happy with the buying experience with Saige Thomas of Sheehy Toyota of Fredericksburg. He was able to get us the car we wanted and kept us informed about the timing of the cars delivery. ”
“ Edwin made everything smooth and painless. Excellent communication throughout the experience. ”
“ Great! ”
“ Edwin my service writer is excellent and takes very good care of me I only work with him because he is confident knowledgeable and he is a nice person ”
“ My wife and I spent weeks searching for the perfect Toyota Highlander AWD, and found it listed on Sheehy Toyota's website. I sent a quick inquiry, which was answered almost immediately by Sheehy's Jim Glasner. He answered several questions, and provided a wealth of information about the vehicle and purchase options. Jim was prompt, polite, and very professional throughout the entire purchasing process. He coordinated/facilitated prepping the Highlander and its paperwork for the sale, and earned our trust and admiration. We flew down from New Hampshire to Fredericksburg VA, had the test drive and paperwork complete within a half hour, and headed north on I-95 just ahead of a major snowstorm. Sincere thanks to Jim, and Zach in the Finance Department, for their outstanding efforts on this purchase. Well done! ”
“ Great place, very accommodating professional. A great place to buy your new vehicle. Fernandez was great ”
“ Took my SUV for state inspection. Every thing was done smoothly. I waited the work was done. Everything was well done. ”
“ Sage was great to work with! Always feel like I’m getting a great deal with great service! ”
“ I've been coming for service here since 2012. The service manager used to be my advisor and I couldn't be prouder of how far he's advanced with the company. Ryan B. is my service advisor now and I really appreciate his positive vibe. Josh, the manager, always makes time to answer questions I have, I am a planner so I look ahead at service needs too, and he's very detailed in his responses and we communicate for understanding, I walk away with knowledge and assurance. I'm a quality over time patron, so if I have to hang out I'd rather that with a quality tech, versus in and out to save time. They don't mind me chatting as I wait too, and that makes the experience more enjoyable. I really appreciate the team here. I would definitely recommend 👌 ”
“ I put my car on for recall repairs, I was given a loner. Later that day I returned my loner and received my car. Before I could leave the parking lot it was obvious the monitor did not work. I worked with Jed and feel he did everything in his power to resolve the issue. I was provided a loner and returned the next morning only to find that the seat built light did not work. After waiting another 30 minutes and approached a manager who was able to resolve the issue In 10 min 10 minutes. ”
“ Friendly and professional. I did not like the fact that the repairs that were recommended were not shown our mentioned in the video inspection. ”
“ Very personable customer service. ”
“ Lloyd at Toyota was super helpful and friendly. 5 stars for customer service. However I ended up giving 3 starts because when I picked up my car from services there were dark grease stains on my white leather seats, and tools were left inside my car. It took a lot of cleaning to remove the stains and I’m disappointed in the lack of care when it came to servicing my car. ”

Close
“ Great folks. Very knowledgeable and also understanding of someone's situation. Highly recommend ”