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1556 Interstate Dr Cookeville, TN 38501 (931) 218-6106
1556 Interstate Dr, Cookeville, TN 38501
Sales: (931) 218-6106 | Service: (931)-520-4196 | Parts: (931) 520-4197

Alternative Credit Options & Financing for Drivers near Sparta, TN

Cumberland Kia Alternative Credit Options & Financing Apply Now

Is your credit score poor? Check out alternative credit options near Sparta, TN. Drivers are going crazy over this new program because it gives them a second chance. It all starts when you contact our finance department in Cookeville, Tennessee.

What are Alternative Lending Options?

Alternative lending options are loans for people who might have lower scores than other lenders desire. These loans give drivers access to reliable transportation. If we approve you and you make all of your payments on time, this will reflect positively on your credit report.

Factors That Influence Your Credit

We all know that derogatory marks can negatively impact your score––but which derogatory marks? To maintain a good credit score, one would want to have a history of on-time payments, a reasonable amount of credit, and a great debt-to-income ratio.

However, sometimes life gets in the way, and these things aren't always possible. If you've dealt with any of the following financial scenarios, you might qualify for our alternative lending options:

  • Repossession
  • Foreclosure
  • Divorce
  • Bankruptcy
  • History of late payments

How to Finance a Car With Poor Credit

It's as simple as knowing your options. Apply for one our alternative credit loans and we'll take it from there. When you're shopping around for auto loans in the area, be sure to compare terms and rates.

Predatory loan rates are a major problem with these types of programs. If someone offers you a ridiculously high rate, do some research before committing. You can avoid predatory rates all together by financing with Cumberland Kia! Contact us to talk to our finance team.

Apply for Auto Loans Today

If you think that you qualify for our alternative lending options, apply online. Our application is the same. We will process it and follow-up with either an approval or a denial. We have a quick turnaround time and do our best to handle each application with the utmost care. Lastly, we look forward to helping you turn things around!

Dealer Information
Cumberland Kia 1556 Interstate Dr Cookeville, TN 38501 Get Directions
Sunday:
CLOSED
Monday:
8:00 AM - 7:00 PM
Tuesday:
8:00 AM - 7:00 PM
Wednesday:
8:00 AM - 7:00 PM
Thursday:
8:00 AM - 7:00 PM
Friday:
8:00 AM - 7:00 PM
Saturday:
9:00 AM - 6:00 PM
Sunday:
CLOSED
Monday:
7:00 AM - 8:00 PM
Tuesday:
7:00 AM - 8:00 PM
Wednesday:
7:00 AM - 8:00 PM
Thursday:
7:00 AM - 8:00 PM
Friday:
7:00 AM - 8:00 PM
Saturday:
7:00 AM - 8:00 PM
Sunday:
CLOSED
Monday:
7:00 AM - 8:00 PM
Tuesday:
7:00 AM - 8:00 PM
Wednesday:
7:00 AM - 8:00 PM
Thursday:
7:00 AM - 8:00 PM
Friday:
7:00 AM - 8:00 PM
Saturday:
7:00 AM - 8:00 PM
Sunday:
CLOSED
Monday:
7:00 AM - 5:00 PM
Tuesday:
7:00 AM - 5:00 PM
Wednesday:
7:00 AM - 5:00 PM
Thursday:
7:00 AM - 5:00 PM
Friday:
7:00 AM - 5:00 PM
Saturday:
CLOSED

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