Bad Credit Car Dealerships in Las Vegas
If your credit is damaged, the hard part is not finding a car. It is finding a dealer who will actually work your deal instead of running one application, getting a decline, and losing interest.
Charlie Cheap Car has been selling cars in Las Vegas for 25 years. We are family owned and veteran owned, we are open seven days a week, and we work with several lenders rather than one. If another dealer already turned you down, that is usually where we do our best work.
What counts as bad credit here
We see these every week and none of them end the conversation:
- A bankruptcy, whether it is discharged or still open
- Accounts in collections or charged off
- A previous repossession
- No credit history at all
- Income from self-employment, cash work, or an app like Uber or Lyft
- A recent move or a short time at your current job
What to bring
Bringing the right paperwork the first time is the single biggest thing that gets you a faster answer from lenders:
- Valid driver license or state ID
- Proof of income — recent pay stubs, or bank statements if you are self-employed or drive rideshare
- Proof of address — a utility bill or lease works
- Your down payment
- Proof of insurance, or we can help you sort it out
How our pricing works
The price you see on a listing is the vehicle price before dealer fees. Our dealer fees are listed separately on every vehicle: a $695.00 documentation fee, a $28.25 title fee and a $29.00 smog test fee, $752.25 in total. State and local taxes, license and registration are extra and vary. We would rather you see every number up front than find one on the paperwork.
Common questions
Can I get approved with a repossession on my credit?
It is possible. It depends on how long ago it happened, whether the balance was settled, and what your income looks like now. Call us and we will tell you honestly where you stand before you drive over.
Do you run a credit check?
Yes. We submit your application to lenders, and they check credit. What we control is which lender sees it, and that is where experience matters.
How much down payment do I need?
It depends on the vehicle, your credit profile and the lender. There is no single number, and we would rather give you a real figure than a headline that changes when you arrive.
Can I trade in a car I still owe money on?
Yes. We handle payoffs on financed vehicles routinely. See Trade Your Car for a quote.
Do you speak Spanish?
Yes. See Financiamiento con Mal Crédito or just call and ask.
Come see us
5015 W Sahara Ave Ste 127, Las Vegas, NV 89146
Monday to Friday 9am–7pm, Saturday 9am–6pm, Sunday 11am–4pm
Approval and terms depend on the lender and your application; we do not guarantee approval. All terms are confirmed in writing before you sign.