Destiny Automotive
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Bad credit? No credit? Finance your used vehicle with Destiny Automotive

Explore subprime financing options in Glen Burnie, MD


At Destiny Automotive in Glen Burnie, MD, we're committed to helping you find a vehicle you love within your budget. Whether you have low or no credit, life's challenges shouldn't limit your access to reliable transportation. Explore our subprime auto financing FAQs and connect with our team at the top used car dealer serving Glen Burnie, Baltimore, Columbia, and Annapolis, MD and the Washington D.C. area. Our subprime car loans provide an opportunity for those facing credit challenges to afford quality used cars from our lot. Drive with confidence; Destiny Automotive has you covered.

What is a subprime car loan?

Subprime auto loans are offered by lenders to potential buyers with low credit scores or poor credit histories. Subprime borrowers have typically been turned down by traditional lenders because of low credit scores (generally under 600, though this has varied over time). If you’ve had difficulty getting approved for a car loan in the past then subprime financing may be a good option.

How do I qualify for a subprime loan at Destiny Automotive?

Since we offer subprime financing to those with low or no credit, as well as those who have previously or are currently filing for bankruptcy, it’s easy to qualify for a subprime car loan at Destiny Automotive. We even offer no-money-down financing, making securing a payment plan that works with your budget easy - all that’s required is that you make a minimum of $30,000 per year.

How can I get a car loan with low or no credit?

Buyers looking to get a car loan with low or no credit may have a few options available, including applying for subprime financing, considering getting a cosigner on your loan, or making a large down payment. All of these options will make you less of a risk to the lender and increase your eligibility for more traditional car loans.

Is a subprime loan bad for my credit score?

Getting a subprime loan can help develop positive credit history! Subprime car loans can hurt your credit score if you miss payments or default on the debt but can actually improve your score if you continuously make payments on time.

How can I estimate my car loan?

Finding the best vehicle for you in your price range can be difficult - in addition to your monthly payment, buyers also need to consider how much they can use as a down payment, available interest rate, the duration of the loan, and their credit score. Thankfully, we provide customers with an online car loan calculator to make it that much easier to estimate auto loan rates.

I’ve been turned down for a car loan in the past. Can I still get approved?

Absolutely. Destiny Automotive works with a large network of lenders and has the experience and connections to help you find financing that will work for you. 

I have bad credit, will this cause my monthly payments to be high?

Not necessarily. Because we work with many different lenders we can find solutions for all types of situations. We can also use the trade-in value of your current automobile to increase your down payment and lower your monthly loan payments.

Do I need to pay to get approved?

There is no charge to get pre-approved - we want you to know your options and pre-approval is free at Destiny Automotive.

Am I required to buy after I get approved?

No - because pre-approvals just show you how much banks are willing to lend you, there is no commitment on your part. Lenders are guaranteed to honor the terms in your pre-approval only if you decide to buy.

Can I still get a car loan if I'm self-employed?

Absolutely, whether you’re a gig worker, freelancer, business owner or anything in between. We are able to offer options for everyone regardless of how they make their living thanks to our larger network of lenders.

How long does the approval process take?

We know you’re excited to get in the driver’s seat of your new vehicle. Simply fill out our loan form and we’ll get back to you shortly.