Two Ways to Get Financed — All Credit Welcome
Financing from as little as $500 down. Bad credit, no credit, been turned down before? Let’s talk anyway.
Your credit score isn’t the whole story, and it’s not the only thing we look at. At DDG Cars, we offer two ways to get financed, so more people in Griffin, GA can drive off in a reliable car — not just buyers with perfect credit.
Start here — get pre-approved online in minutes → ddgcars.com/credit
Two Financing Paths
1. Buy Here Pay Here (In-House Financing)
DDG Cars is a Buy Here Pay Here (BHPH) dealership. That means when you buy a car from us, you finance it with us too — we’re the dealer and the lender in one place. You make your payments directly to DDG, right here in Griffin, instead of an outside bank.
- Down payment: around $1,000
- Built for all-credit situations, including buyers who’ve been turned down elsewhere
- We look at your job, your income, and your ability to make payments — not just a credit score
2. Bank Financing (Arranged Through DDG)
DDG Cars also works with outside banks to arrange financing for qualified buyers.
- Down payment: as low as $500 down (subject to approval)
- A great fit if you qualify for traditional bank terms
- We help arrange it — you still deal with our team, not a call center
Not sure which path fits you? That’s exactly what we’re here to help you figure out. Call, text, or stop by, and we’ll walk you through both options and what they’d look like for you.
Our Bank Financing Partners
For qualified buyers, we work with a network of trusted lenders to find you competitive terms — including Credit Acceptance, United Auto Credit, Westlake Financial, Western Funding, Global Lending, OneMain Financial, and Lendmark Financial.
Honest Talk About Credit
We do consider credit as part of your application — we’re not going to tell you “no credit check,” because that wouldn’t be honest. What we will tell you is this: we look at your whole situation, not just a score. All credit welcome — good, bad, or no credit at all. Your job and your ability to make payments matter just as much as what’s on a credit report.
Who This Is For
- You’ve been turned down by a traditional bank or dealership before
- Your credit is less than perfect, or you haven’t built credit yet
- You’re a first-time car buyer
- You want to compare bank financing against in-house Buy Here Pay Here
- You want an honest, no-pressure process instead of a hard sell
If any of that sounds like you, you’re exactly who we built DDG Cars for.
What to Bring to Get Approved
Coming prepared helps us get you into a car faster. In general, you’ll want to bring:
- A valid driver’s license or state-issued ID
- Proof of income
- Proof of residence
- Proof of insurance
- A down payment — as little as $500 for bank financing, or around $1,000 for in-house Buy Here Pay Here
- A few personal references
Exact requirements can vary depending on your situation and which financing path fits you best. Not sure what qualifies? Give us a call at 404-383-4787 and we’ll walk you through exactly what to bring before you come in.
How to Get Started: 3 Simple Steps
- Get pre-approved. Fill out our quick, secure application at ddgcars.com/credit — it takes just a couple of minutes. Prefer to talk? Call or text 404-383-4787 or email sales@ddgcars.com.
- Pick your path and your car. We’ll help you figure out whether bank financing or in-house Buy Here Pay Here fits your situation, then you choose from our hand-picked inventory. Every car on our lot has been personally inspected by Ron — we only sell what we’d put our own family in.
- Drive home. Once you’re approved, we finalize the paperwork and you drive off in your next car — same day, whenever possible.
Questions? Here’s What People Usually Ask
Will I actually get approved? We can’t promise approval before we talk to you, but we promise to look at your whole situation — not just run your credit and say no.
Which financing option is right for me? It depends on your credit and your situation. Call us and we’ll help you figure out whether bank financing (as low as $500 down) or in-house Buy Here Pay Here (around $1,000 down) makes more sense for you.
Is this going to be complicated or stressful? No. That’s the whole point of DDG Cars — simple, honest, and pressure-free, from your first call to the day you drive off the lot.
Ready to Get Approved?
Don’t let a number on a credit report keep you from a car you can count on. Get pre-approved at ddgcars.com/credit, call or text us today, or stop by the lot — whichever is easiest for you.
Get pre-approved online: ddgcars.com/credit
Call or text: 404-383-4787
Email: sales@ddgcars.com
Visit us: 523 W Poplar St, Griffin, GA 30224
Hours: Mon 9–5 · Tue 9–9 · Wed 9–5 · Thu 9–9 · Fri 9–6 · Sat 9–5 · Sun Closed
