Bad Credit Car Dealership in Las Vegas
Turned down somewhere else? Start here. Most lots run one application with one lender, get a no, and move on to the next customer. We do it differently: we send your application to several lenders, including lenders who work with bad credit, no credit, repossessions, bankruptcies and cash income. More than one lender means more than one chance.
Charlie Cheap Car has been on West Sahara for 25 years. We are family owned and veteran owned, open seven days a week, and we have sold thousands of cars to Las Vegas drivers, many of them rebuilding their credit. Financing is subject to lender approval.
On the lot today
See every car, cheapest first
2017 Ford Transit Connect Passenger XL
222,791 mi · Passenger Van · FWD · Automatic
$4,999
+ $752.25 fees · $5,751.25 total
26 photos2016 Ford Transit Connect Passenger XL
300,777 mi · Passenger Van · FWD · Automatic
$4,999
+ $752.25 fees · $5,751.25 total
20 photos2016 Ford Transit Connect Passenger XL
189,719 mi · Passenger Van · FWD · Automatic
$5,499
+ $752.25 fees · $6,251.25 total
17 photos2004 Ford F150 (Heritage) Super Cab XLT
254,604 mi · Pickup · 2WD · Automatic
$6,999
+ $752.25 fees · $7,751.25 total
How it works, in three steps
- Apply online or by phone. It takes a few minutes. Tell us the truth about your situation; it helps us pick the right lenders.
- We shop your application. Instead of one lender, we send it to the ones that fit your credit, income and job history, and we tell you honestly where you stand.
- Pick your car and sign. Every car on our lot is inspected, and every price shows our dealer fees up front, so the number you see is the number you plan around.
Situations we see every week
None of these end the conversation here:
- A bankruptcy, discharged or still open
- A past repossession
- Collections, charge-offs or late payments
- No credit history at all, including first-time buyers
- Self-employed, cash, 1099 or gig income from Uber, Lyft or DoorDash
- An ITIN instead of a Social Security number
- Social Security or disability income
- A recent move or a new job
More on specific situations: car loans after bankruptcy, buying after a repossession, ITIN car loans, Social Security or disability income and second chance car lots.
What to bring
The right paperwork the first time is the single biggest thing that speeds up an answer:
- 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
- Your down payment
- Proof of insurance, or we can help you sort it out
The full list, and what to do if you are missing something: what to bring to get approved.
Prices with nothing hidden
The price on each listing is the vehicle price before dealer fees. Our dealer fees are listed separately on every car: a $695.00 documentation fee, a $28.25 title fee and a $29.00 smog fee, $752.25 in total. Taxes, license and registration are extra. When your budget is tight, surprises on the paperwork are the last thing you need. See how to figure out the out-the-door price.
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 lenders see it, and after 25 years we know which ones work with which situations.
Are you a buy here pay here lot?
No. We work with outside lenders, so the car is yours from day one. See buy here pay here in Las Vegas for the questions worth asking any lot.
How much down payment do I need?
It depends on the vehicle, your credit profile and the lender. We would rather give you a real number for your situation than a headline that changes when you arrive. See how much down payment you need.
Can I trade in a car I still owe money on?
Yes, we handle payoffs routinely. See trading in a car you still owe on.
Will this help rebuild my credit?
A loan from an outside lender that you pay on time can help, because most lenders report to the credit bureaus. Ask which bureaus your lender reports to when you sign.
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. Open seven days.
Approval and terms depend on the lender and your application; we do not guarantee approval. All terms are confirmed in writing before you sign.