Have Bad Credit? No Problem.

Over 60,000 Happy Customers

Need Credit?

You could be approved for up to $20,000 instantly!

Fogg's Automotive helps people in Schenectady to drive away in the right used car for them, regardless of your credit situation. Get pre-approved now to see how much you can qualify for instantly!

 Help! I have bad credit

We understand that it can be tough to get a new car if you are struggling with bad credit, but don't worry, we are on your side and will do all we can to help you get approved! Here's how the process works. First, we will do a soft credit check to find out what your credit score actually is. It might not be as bad as you think so it's important to check. You can find out your credit score and how much you qualify for using our instant pre-approval. We don't need your social security number and this doesn't affect your credit at all. Sometimes we are even able to qualify you for more than our instant pre-approval says.


How do we determine how much you can get approved for? We work closely with lenders, advocating on your behalf to get you a loan. At the end of the day, it comes down to what the lender says. Luckily we have great relationships with several different lenders so we have the best chance of getting you approved.  

Apply for Financing

With our instant online pre-approval we ask minimal information - No Social Security Number required! We’ll show you your pre-approved amount and your FREE credit score with no cost or obligation to you.

I'm pre-approved! Now what?


Congratulations, we are so glad you have been pre-approved. We know you are excited to get your new vehicle, so a team member will start work right away to ensure you have a quick and smooth experience. A team member will be reaching out to you as soon as possible to get a more detailed credit history, including more information about your job history and income. This is because we need to provide this information to lenders. Having this information handy helps speed up the process, and ensures you are able to get approved for the maximum amount. 

Once we are able to get some more information, we will consult with lenders to figure out your maximum pre-approval amount. We will then work with you to figure out your monthly payment. Budget is important, so we want to ensure we are sticking to your budget when we look at vehicles.

Then, we can have some fun and pick out vehicles that meet your criteria! You'll get to pick an awesome car that is both in your price range and has the features that are most important to you. We have a wide variety of inventory that is constantly being updated, so we are sure to have the perfect used vehicle for you.


Your new car is waiting for you!

Get pre-approved instantly

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