All Credit Welcome
Tampa Bay's Subprime Auto Financing Specialists
Bad Credit?
We Still Get You Approved.
Low credit score, past bankruptcy, or first-time buyer? Rivard Buick GMC works with Tampa's top subprime lenders to find real financing for real people.
Serving Brandon, Hillsborough County, Riverview, Plant City & All of the Tampa Bay Area
We Work With All Credit Situations
Our finance team is experienced with non-prime lending. Whatever your credit story, we've seen it — and we've found a path forward for customers in every situation.
Low Credit Score
Credit scores below 580 or 620 don't automatically disqualify you with our lender network.
Past Bankruptcy
Chapter 7 or Chapter 13 discharge? Rebuilding starts here. Several of our lenders specialize in post-BK approvals.
Repossession History
A prior repo doesn't have to define your future. We work with lenders who look beyond single negative items.
No Credit History
First-time buyers and thin-file applicants can qualify. Our lenders offer first-time buyer programs designed for you.
Self-Employed / Gig Workers
Non-traditional income? We know how to document and present your application to maximize approval chances.
Credit Rebuilding
Auto loans are one of the most effective tools to rebuild credit. On-time payments report directly to all three bureaus.
Our Subprime Lending Partners
We submit applications to multiple lenders simultaneously to find the best possible terms for your situation — not just a yes, but the best yes available.
One of the nation's largest non-prime auto lenders. Santander Consumer USA has deep experience with challenged credit and offers programs across a wide risk spectrum.
Exeter specializes exclusively in non-prime auto lending and is known for flexible underwriting guidelines, making them a strong option for difficult-to-place applications.
Capital One Auto Finance serves a broad range of credit profiles and offers a pre-qualification tool that doesn't impact your credit score — a low-risk first step.
Ally is one of the largest auto financing companies in the U.S. and works across both prime and non-prime tiers, offering competitive options for many credit situations.
We work with additional lending partners beyond those listed. Approval and terms depend on individual credit profile, income, and vehicle selection.
How It Works
No pressure. No runaround. Here's exactly what happens when you apply.
Apply Online
Complete our secure credit application in about 2 minutes. Your info is encrypted and only shared with lenders you're matched with.
We Match You
Our finance team reviews your profile and submits to the lenders most likely to approve you at the best available rate.
Get Your Answer
Most decisions come back same-day. We'll call you with your options — no games, no bait-and-switch.
Pick Your Vehicle
Know your budget before you shop. Browse our inventory — including vehicles under $20K — and choose with confidence.
Vehicles Under $20,000
Affordable payment. Real transportation. Browse our pre-owned inventory priced under $20K — ideal for buyers working with subprime financing.
Affordable Vehicles
Ready to Finance
We maintain a rotating selection of quality pre-owned vehicles priced under $20,000 — sedans, SUVs, trucks, and crossovers. Once you know your approval amount, browse live inventory and choose with confidence.
Common Questions
Straight answers about subprime auto financing in the Tampa area.