For all credit types
Bad credit car financing in Chantilly, VA
Financing is available for all types of credit, and we work with multiple lenders, including lenders who specialize in rebuilding credit. Apply online, or call first to talk through your options.
- Lenders focused on rebuilding credit
- Secure online application
- Call before you apply
- Trade-ins and cash offers
How financing works here
Miran Motors is an independent used-car dealership in Chantilly, VA. When you apply, your application goes to our lending partners. Each lender reviews it and makes its own decision, so we can't promise approval.
What we can do is explain your options and help you find a car that fits your budget.
Every car we sell has a clean title, passed Virginia safety inspection before it was listed, and gets a fresh oil change and filter.
How the process works
- Apply online using our secure application. Prefer to talk first? Call (703) 996-9959 and we'll go over your options before anything is submitted.
- Submitting the application authorizes our lending partners to review your credit.
- Lenders review your application, and we walk you through what comes back.
- If you're approved, choose a car that fits. Pre-approval works for any vehicle on our lot.
- Visit us to see the car in person and finish the paperwork in Chantilly.
What helps your application
A steady income and a reasonable down payment go a long way with lenders. Complete, accurate information on your application helps too.
Have a car to trade? Its value can go toward your next purchase. Get a trade-in or cash offer.
When you come in, bring the items below. Our finance manager will confirm the exact list for your application.
- A valid driver's license
- Proof of income, such as recent pay stubs
- Proof of residence
- Proof of insurance
Budget for the full cost
Look past the sticker price when you set a budget. The payment estimates on our site include Virginia sales tax, the $599 processing fee, and an estimate for title, tags, and registration. They're estimates, not offers of credit.
On top of the listed price, plan for these costs.
- The $599 dealer processing fee, which is not included in listed prices
- Virginia motor vehicle sales and use tax, 4.15% of the sale price
- Title, tag, and registration fees
- Car insurance, since you'll need proof of it when you buy
Start with a car that fits your budget
Choosing a lower-priced car keeps the amount you finance smaller. Our used cars under $10,000 and under $15,000 are a good place to start.
Live in South Riding, Centreville, Ashburn, or Fairfax? Our Chantilly lot is nearby.
- Apply online
- Used cars under $10,000
- Used cars under $15,000
- Call (703) 996-9959 or visit 25354 Pleasant Valley Rd STE 125, Chantilly, VA 20152
Questions
Common questions
Can I get financing with bad credit?
Financing is available for all types of credit, and we work with lenders who specialize in rebuilding credit. Each lender makes its own decision, so the way to find out is to apply online or call us.
Will you check my credit when I apply?
Submitting our online application authorizes our lending partners to review your credit. If you're unsure, call (703) 996-9959 first and we'll talk through your options before anything is submitted.
How much do I need for a down payment?
It depends on the lender and the car you choose, so there isn't one number. In general, a larger down payment or a trade-in lowers the amount you finance.
Can I use a pre-approval on any car?
Yes. Pre-approval works for any vehicle on our lot, so you can compare cars and save favorites before you decide.
Can a car loan help rebuild my credit?
It can. Many auto lenders report your payment history to the credit bureaus, and paying on time, every time, can help your credit over time. Ask your lender how they report.
Questions? Talk to a real person.
Call us at the lot on 25354 Pleasant Valley Rd in Chantilly— we're happy to help over the phone.
Serving Chantilly and Northern Virginia — minutes from South Riding and Centreville, and an easy drive from Ashburn, Fairfax, Herndon, Manassas, Sterling and Reston. Shoppers come to us from across Loudoun and Fairfax counties, and we offer free home delivery within 150 miles with full purchase price.