All credit types welcome. Apply in minutes.
Bad credit, no credit, first car, past repo or bankruptcy. Fill out the application on your phone and our finance desk calls you about what fits.
Financing is subject to credit approval and verification of income, residence and down payment. Not all applicants will qualify. Terms vary by applicant and by vehicle.
Or go to soramotors.org/apply
How financing works here
Five steps from the application to driving home. If you bring your paperwork, we can normally tell you where you stand the same day.
Apply online
It takes a few minutes on your phone and goes straight to our finance desk. Applying costs you nothing. It is a real credit check, not a soft enquiry, so it will show on your credit file.
We call you
We go over what you can put down and the kind of payment that works for you, and tell you where you stand. We can normally do that the same day.
Bring your paperwork
Your licence, proof of income, proof of where you live, proof of a bank account, and your down payment. The full list is below.
Pick your car and sign
Choose a car where the numbers work, take it for a drive, and sign at the lot. The lender may call you to confirm a few details.
Drive it home
Bring proof of insurance and drive it home. You make your payments to the lender, and on-time payments are reported to all three credit bureaus.
What to bring
Bringing these is the single biggest thing that turns a maybe into a same-day answer. Most deals that stall, stall here.
You will also need proof of insurance before you drive off the lot. You can arrange that once you know which car you are taking. Not sure what counts? Call or text (651) 739-9326 before you make the trip.
- Your driver’s licenceValid and current.
- Proof of your incomeRecent pay stubs. Self-employed, retired, on disability or on benefits? Bank statements or an award letter work.
- Proof of where you liveA utility bill, lease or bank statement with your name and address on it.
- Proof of a bank accountA recent statement, or the app on your phone showing your name on the account.
- Whatever you can put downThere is no set number. It depends on the car and on your application. Ask us and we will tell you straight.
Your score is not the whole story
- Bad credit, or a score you would rather not say out loud
- No credit history yet — first car, first job, new to the country
- A repossession or a bankruptcy in the past
- Fixed income, disability income, or self-employment
- Turned down somewhere else already
We work with a lender built for buyers whose credit is damaged, thin or non-existent. A credit score is one input, and for this lender it is not the loudest one. Proof of steady income, how long you have been at your job and at your address, and the size of your down payment carry more weight.
What varies is not usually whether the lender will say yes. It is whether the numbers work on a particular car, and sometimes that means a different car than the one you walked in for. Anyone who promises you an approval before they have looked at anything is not being straight with you.
It can help rebuild your credit. On-time payments are reported to all three major credit bureaus. That cuts both ways: missed payments show up just as visibly. A car loan you can comfortably afford is one of the more reliable ways to rebuild.
Ready when you are. Start your credit application.
All credit types welcome, including bad credit and no credit. It takes a few minutes on your phone and goes straight to our finance desk. We’ll call you about what fits.
Financing is subject to credit approval and verification of income, residence and down payment. Not all applicants will qualify. Terms vary by applicant and by vehicle.
Want the longer answer first? Read our guide, Can I finance a used car with bad credit in Minnesota? Or browse the lot and ask about a specific car.
Sora Motors is a licensed Minnesota motor vehicle dealer, licence #101757.