Credit Repair Center

Bad things happen to good people.
Let's make it right at Courtesy KIA of Brandon.

Courtesy KIA of Brandon is your local new and used car dealer that has all of the answers to your credit questions and inquires. Our sales team is qualified and experienced to assist you with credit repair. Credit repair is our speciality and we are experienced in getting customers qualified for the new, pre-owned, or used car. SUV, truck or van that they desire.


How to Build Your Credit

Good credit, challenged credit, no credit, credit damage, and credit repair. The word credit alone often causes stress in the minds of consumers. However, credit should not have to be associated with stress. Here at Courtesy KIA of Brandon, we specialize in working with customers who are experiencing credit difficulty. We understand that personal and financial hardships may affect one's credit score and flexibility to pursue transactions such as purchase a home or buy a car, but we are no ordinary dealership. We have the patience, passion, knowledge, experience, drive to work with credit challenged customers and provide them with a helpful, knowledgeable car buying experience.

Need some pointers?

Prioritize which loans, cards, and lines of credit are the most imperative and realistic to pay off within a set amount of time and avoid closing accounts.
Limit credit card use. The ideal balance to credit utilization ratio is 30% or lower.
Focus on re-building your credit and keep your current accounts in good standing.
Keep your foreclosure isolated as a single negative item as if it were a mortgage account. This will be less damaging to your credit score.
Pay your bills on time; make payment before or on the expected due date. Creditors report the account to the credit bureaus when a payment is 30 or more days late.
Continue to establish credit history. Keep your accounts in good standing because this establishes trust with creditors and can only boost your credit score.
Bankruptcy & Unforeseen Bills
During bankruptcy, focus on re-building your credit by opening a credit card. Charge minimally and pay consistently. Open 1-3 accounts that will benefit your credit score.
Communicate with your medical, financial institution and creditors. There are many programs that assist consumers, customers, patients or students with high bills or mounts of debt.

Let's figure out what's wrong.

Can I get approved for a car loan with challenged credit?

Of course, our team of sales specialist specialize in challenged credit scenarios and will work diligently to get your approved for an auto loan.

I just started a new job, can I get approved for a car?

The answer is yes. All our sales specialist needs from you is a pay stub, proof of income or job verification and we will work with you to get you approved for a car loan.

I filed for bankruptcy, is my credit good enough to get approved for a car loan?

Although a bankruptcy could stay on your credit for up to 10 years, you can still get approved for a car loan. It can also help you rebuild your credit score.

Can I get approved for a car loan if I am in debt?

Yes, whether you have credit card, student loans, or a home mortgage, our sales team is qualified to get you approved for a car loan. We work with numerous financial institutions on a daily basis that understand high debt circumstances yet we are still able to get customer approved for a new or used car.

I just got out of a divorce, am I able to get approved for an auto loan?

Despite any division of assets or accounts, we can still get you approved for an auto loan. Our sale team works with divorcees on a daily basis and we understand the credit difficulty that a divorce can cause. We can get you approved for a loan that fits your new lifestyle and readjusted finances.

Stop by for more.

Come over to Courtesy KIA of Brandon to work with one of our credit specialists.

With a proven track record in credit repairing car loans in the Tampa area, our established auto loan center will work with your situation. Apply for pre-approval below or contact us to get started!

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Looking for a quality pre-owned car in Tampa, Wesley Chapel, Lakeland Bradenton, Clearwater or the Tampa Bay area but can't qualify for a car loan due to an adverse credit history? Don't worry. We believe that bad things can happen to good people and having no credit or challenged credit shouldn't hold you back from getting approved for a car loan. At Courtesy Kia of Brandon, we understand that finding auto loans with a low credit score can be difficult. This is why our Finance Department offers a variety of financing options to help get you a car loan no matter what your situation may be.

Challenged credit doesn't mean you can't get approved for a car loan. It also doesn't mean that your auto loan has to come with terms that break your monthly budget. Many local dealerships in Tampa, Wesley Chapel, Lakeland, Bradenton and the Clearwater areas are not able to tailor your auto loan financing options based on your situation... some aren't even willing to help you with your car loan. That's what makes Courtesy Kia of Brandon different.

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Courtesy Kia believes that a low credit score, challenged credit or no credit shouldn't limit you to being able to get a car loan for a quality pre-owned vehicle. Our team of finance experts have help many customers in the Tampa, Lakeland, Bradenton, Wesley Chapel and Clearwater area with getting into a reliable car that fits your needs and your budgets. Contact us today with any questions you might have regarding you car loan or get pre-approved today. We look forward to hearing from you!

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Courtesy Kia of Brandon, located in Tampa, FL, feels that going through the car buying process to find a auto loan when you have a low credit score or adverse credit history doesn't have to be humiliating or a painful experience. Just meet our friendly sales and finance team an you will see why we are one of the highest ranked Kia dealerships on Google,, DealerRater and more. We will treat you with the respect and courtesy that you deserve.