Nice cars that you'd be happy to drive, not ones you'd be embarrassed to valet.
Easy Approvals. Fill out our simple NO CREDIT CHECK form to get started.
Reliable cars that are INSPECTED and MAINTAINED for your safety.
Affordable Payments that won't leave your bank account empty every month.
Don't worry at the Zeigler Pre Owned Car Center in Berwyn our Bad Credit Specialists have access to multiple bad credit programs to help with many different bad credit situations like past repossession's and other past mistakes. We have relationships with numerous banks who are willing to give you the second chance you need and deserve today.
Fast and Easy Buying Experience :)
I was able to get in a new car thanks to Diane pulling all the strings with my credit and my husband credit i really appreciate Diane and her team for making it possible for us to drive off in a new vehicle today
Zeigler Berwyn was Awesome!
Veronica got us done. Couldn’t be happier. Even with my credit situation I am driving off. Now I can rebuild my credit in a 2018 Buick Regal! Ask for Veronica if you need help rebuilding your credit!
Love the Zeigler Team
Marie was definitely a big help with getting everything getting the car I wanted with the payments down to what I could afford. Even with my credit! Now I can rebuild my credit it in a car that I like
Thank you Zeigler!
Melanie hooked me up on my car 2019 Cherokee and she helped me to build my credit in the process thank you Melanie. Definitely when I buy my next car I will be there to see you Melanie GOD Bless you an thank you!
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Getting started to buying or leasing a vehicle
What we try to do is take as much information as we can over the phone, so that way we can get you pre-qualified before you even come here. You'll know if you need a down payment, what some of the different terms the loan will be, and what documents you'll need to bring with you. That way when you actually come to the dealership you'll be prepared and we'll both be on the same page.
Once you are pre-qualified and you make an appointment, you'll come in, we'll find what type of vehicle you're looking for and then we'll have you test drive some vehicles and see what you like. No matter what we can help. Even if you have a bankruptcy. Depending on if you are in a bankruptcy that's open or discharged, that changes things slightly.
Currently in bankruptcy?
If you are in an open Chapter 13 or 7 bankruptcy, we can help you. The main thing is we have to get approval from your trustee. We have all the forms that are needed to send to the trustee, so we'll do some paperwork, and send it to the them for approval. Once the trustee approves it we'll have you pick up your vehicle and you'll pay the bank every month just like any other loan. It's totally separate from your bankruptcy, and you do rebuild your credit.
Chapter 13 bankruptcy
You can pre-qualify for a vehicle in a Chapter 13, but it would be a good idea to give your lawyer a call to inform them you are interested in purchasing a vehicle so everything is secure on their end.
Open Chapter 7 bankruptcy
We do work with people who are in an open Chapter 7 and can definitely help. We have several different banks, each one has their own criteria on what they're looking for.
What is a good credit score?
Credit scores can range from 400 to 850, but credit score isn't that big of a problem. A lot of the banks we work with are not score based; they look at other things like monthly income. The banks that we work with are going to look at how you did in the years before your bankruptcy, instead of just where you're at right now.
Tips for buying/leasing a vehicle during bankruptcy ?
Do not try to keep your vehicle through bankruptcy if you owe a lot more than the vehicle is worth. You're not getting credit for future payments, it always going to show that it was included in bankruptcy, it won't show you are currently paying that auto loan. Keep in mind when purchasing or leasing a vehicle during bankruptcy this won't be a dream car, this is going to be a good, reliable vehicle that gets you where you need to go and rebuilds your credit. You'll be paying a little bit higher interest rate than you are used to, it's very important to try and keep that interest in the way that it affects your payment to a minimum. We try to tell people to be pretty reasonable in what type of vehicle they're looking for, so that way they don't end up with too high of a payment.
Are my payments and interest going to be higher?
Payment completely depends on the type of vehicle you get. If you get something that's newer with less miles then we can do a little bit longer loan, which will lower your payments. Interest rate can vary between 7-24%. It's going to completely depend on how you did the years before your bankruptcy and where you're at now.
How much money should I put as a down payment?
Should I spread my payments out over a period of time, or pay all at once?
After filing a bankruptcy the most important part about building your credit is going to be having consistent payments over a period of time. We recommend keeping your loan at least a year to show consistency, your income is appropriate to your monthly payment, and that you're making your monthly payments on time every month. That's all part of rebuilding your score.