Posted Tuesday, Apr 01, 2025
Believe it or not, one of the fastest ways to rebuild your credit is also one of the most useful — an auto loan. That’s right — financing a vehicle can help you prove financial responsibility and increase your credit score over time.
Here’s how it works, and how we help at Southside Auto Sales.
When you finance a vehicle, your lender reports your payments to the credit bureaus. That means every on-time payment is a positive mark on your credit history — and those add up fast.
Installment credit (like auto loans) strengthens your credit mix
Payment history makes up 35% of your credit score — and this is how you build it
Over time, your loan helps improve your score and trust with lenders
The key is consistent, on-time payments. Even a small loan can show lenders you’re reliable.
Plus, we work with lenders like Credit Acceptance that report your performance monthly — giving you more chances to raise your score.
Pick a payment you know you can handle. Don't worry about getting a big loan — getting one that fits your budget and allows you to pay on time is far more important.
We’ll work with you to get a deal that sets you up for success, not stress.
If you’ve been turned down before, we understand — but we’re here to help you move forward. Whether you're rebuilding from scratch or just need a fresh start, we’ll find a way to work with you.
Bad credit financing available
No minimum credit score required
Affordable down payments
Reports to major credit bureaus
Southside Auto Sales
1273 Batesville Blvd, Southside, AR
870-569-4935
Apply Online Now
Stay tuned for Day 4: The Truth About Credit Scores & Auto Loan Approval