Midstate Auto Group

Commonly asked questions about financing

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Frequently Asked Questions About Bad Credit Auto Financing

Trying to get a car loan with bad credit in the Charlton, MA area can be tough.  Sometimes it can seem like all the doors for assistance are shut to you when you most need them to be open.  We know it can be frustrating to go from bank to bank in Southbridge, MA, only to be met with more rejection and the phrase, "we wish we could help."  If you are currently a driver with bad credit, or no credit, and need a new car, truck, or SUV, the team at Midstate Auto Group, located at 810 Washington Street in Auburn, MA, should be your first stop.  We have helped many folks get back on their feet and are a great resource to get all your auto financing questions answered.  We have compiled a list of these questions, and their answers, below.

Is it Possible to Get a Car Loan with Bad Credit?

We encounter many Worcester, MA drivers with poor credit who feel their path to auto financing is permanently closed.  Nothing could be further from the truth.  The finance center at Midstate Auto Group has gotten many people with bad credit an affordable auto loan, even when other used car dealers couldn't.  Our expert finance team, and their many in-house lending partners, work to find financing solutions aimed at helping folks build or rebuild their credit.

Should I Get a Cosigner?

If you are a Webster, MA customer with bad credit, or no credit, and you have a friend, or family member, with excellent credit who is willing to cosign, you should definitely take advantage of that option.  Having a cosigner with excellent credit improves your chances of getting approved, may lower your interest rate and monthly payment, and save you money in the long term.

What Will My Monthly Payments Do to My Credit?

When you get approved for a car loan and start making your monthly payments on time, it will boost your credit score and put you on track to greater financial freedom.

How Does Credit Impact My Interest Rate?

If you have a lower credit score, it can cause the interest rates you are offered to be much higher and, in turn, your auto loan may be more expensive.  We can help find you the most affordable car loan for your situation.

Take the First Steps

Midstate Auto Group, in Auburn, MA, encourages you to complete our online credit application today, so our finance professionals can get started on working with you to find the affordable financing solution, and second chance, you deserve.


Midstate Auto Group

810 Washington St
Directions Auburn, MA 01501

  • Sales: 508-832-8886
  • Service: 508-832-8866


  • Monday 9:00AM - 7:00PM
  • Tuesday 9:00AM - 7:00PM
  • Wednesday 9:00AM - 7:00PM
  • Thursday 9:00AM - 7:00PM
  • Friday 9:00AM - 6:00PM
  • Saturday 9:00AM - 6:00PM
  • Sunday 11:00AM - 4:00PM
  1. Midstate Auto Group

    810 Washington St
    Auburn, MA 01501

    • Sales: 508-832-8886
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