Financing in West Baltimore, Maryland

West Baltimore's #1 Rated Used Car Dealer. Easterns Delivers!

Financing Your Used Car in West Baltimore, Maryland

As the winner of DealerRater’s “Consumer Satisfaction Award” seven years in a row, you can trust that the customer-oriented sales team at Easterns Automotive is dedicated to your satisfaction. Our team will help you find the right car for you and your family at the right price. We ensure each of the thousands of certified pre-owned cars, trucks and SUVs in our inventory meets strict quality standards and provide financing options to accommodate any type of financial situation.

We don’t believe that West Baltimore car shoppers with low credit scores should feel they have to pay a fortune they don’t have to afford dependable transportation. At Easterns Automotive, Your Job is Your Credit™. As long as you have a job, we’ll do our best to help you get a favorable auto loan, leveraging our relationships with auto financing partners and exploring every possible avenue on your behalf.


Challenges Low Credit Car Shoppers Face 

Restricted Options

Low credit scores can severely limit financing options for car buyers. Traditional lenders may be reluctant to approve loans for individuals with poor credit history due to seeing them as high-risk borrowers, leaving auto shoppers with fewer options for purchasing a vehicle.

Limited Finances

Car shoppers with low credit scores often face financial constraints that can make it difficult to afford a dependable, long-lasting vehicle. Between limited disposable income, debt or even bankruptcy, many individuals with poor credit may struggle to afford a car without a reasonable loan.

High-Interest Rates

Lenders often charge higher interest rates to compensate for the perceived increased risk of lending to individuals with low credit, which can make it harder for used car buyers to afford their monthly payments.

Rigid Loan Terms

Similarly, lenders may impose higher down payments, shorter loan terms and other strict limitations to mitigate the risk associated with lending to individuals with poor credit, which can make it challenging for buyers to find a loan that meets their needs and budget – further limiting their options.

Lemon Scams

Some shoppers can feel pressured by predatory dealerships into buying a low-quality vehicle with limited miles remaining just to have a car for the time being. These “lemons” may have hidden mechanical issues or a history of significant damage, leading to costly repairs and potential safety hazards that could end up costing shoppers more in the long run.


How Financing Works at Easterns Automotive in West Baltimore

Regardless of your credit score, we’ll help you find a high-quality, pre-owned vehicle from our extensive inventory for a shockingly low price and with flexible terms.  With us, Your Job is Your Credit™. All you need is proof of current employment, and we’ll utilize our connections with auto lenders to help you secure the loan you need to get the car you deserve. Whether you prefer a shorter-term loan with higher monthly payments or a longer-term loan with lower monthly payments, we will work hard to find the right auto loan for your situation.


Easterns Automotive Group of West Baltimore
Address: 5720 Reisterstown Road,
Baltimore, MD 21215
Phone: (877) 867-0641
Click here to text us!



Monday: 10:00 AM – 8:00 PM
Tuesday: 10:00 AM – 8:00 PM
Wednesday: 10:00 AM – 8:00 PM
Thursday: 10:00 AM – 8:00 PM
Friday: 10:00 AM – 8:00 PM
Saturday: 9:00 AM – 8:00 PM
Sunday: 11:00 AM – 5:00 PM

#1 Certified Pre-Owned Dealership in West Baltimore That Doesn’t Limit Your Options Based on Your Credit Score

No matter what your credit score is, we’ll leverage our connections with auto lenders to help you obtain the perfect car for you at a reasonable price. Browse our inventory online or stop by our dealership in West Baltimore today to learn more about our personalized financing today.

Frequently Asked Questions

Can I qualify for an auto loan or financing after Chapter 7 bankruptcy? What about Chapter 13 bankruptcy?

Securing an auto loan after a Chapter 13 bankruptcy can be easier for car shoppers since it involves establishing an in-depth repayment plan that increases lenders’ trust in you and allows shoppers to apply for a loan even while their bankruptcy is active.

However, both Chapter 7 and Chapter 13 bankruptcy can make securing a fair auto loan or financing challenging without an experienced and devoted auto sales team on your side who can leverage a widespread lender network on your behalf.

Should I get GAP insurance?

It depends on your chosen dealership. Guaranteed Auto Protection (GAP) coverage will cover the difference between the value of your car and your loan amount if the car ends up depreciating in value to the point where the vehicle is worth less than your remaining loan amount.

This is most often important with new cars, as they lose a massive amount of value in the first few years of ownership, despite little of the loan having yet been paid off. This is important if the car is totaled in a crash or stolen, and the actual claim value of the vehicle is far less than the remaining loan balance.

While GAP insurance can be beneficial if a buyer gets into a car crash and total their recent investment, it isn’t always necessary when purchasing a car from a certified pre-owned dealership like Easterns Automotive that offers premium used cars at affordable rates. We work hard to help West Baltimore car buyers get affordable rates and terms they can live with.

Find the Perfect Vehicle for You Today

Find your match by searching through our vast inventory of over 1,000 Sedan, SUVs, Trucks, and Minivans.