Drive for $99 - Bad Credit Auto Loans? No Problem | River Oaks Kia

Kia Drive for $99

Get Into a Car for Less Than $100 Down

  • We offer $99 down through our program on qualifying new and used vehicles.
  • So long as you have a job with proof of income, we will work to get you approved and driving home today with a $99 down payment.

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Drive Home Happy for $99

Everyone Should Have Access to a Quality Vehicle

It is our belief that everyone should have access to a quality vehicle, even our guests that have less than perfect credit. At Napleton River Oaks Kia you can expect a commitment to working with each guest to circumvent issues pertaining to bad credit auto loans or a lack of credit. 

Having poor credit does not prevent you from getting reliable, affordable transportation at Napleton River Oaks Kia. Our goal is to get you into the vehicle you love. At Napleton, you are more than just a credit score. 

What Makes Napleton Different?

As the #1 auto dealership group in Illinois*, Ed Napleton Automotive Group is uniquely positioned to provide an array of financing options to our guests. Napleton's Drive for $99 program is another example of our commitment to customer service. We want to ensure each and every one of our customers feels good about the car they purchase from us and can drive away, while still being able to pay rent. Whether you choose a new Kia or a quality used vehicle, we want to get you in the right car for a great price. Our team of secondary finance experts are here for you. We work with a variety of different lenders and can help you get approved regardless of your situation. Our goal is 100% credit approval for auto loans, despite our guests having no credit or bad credit.
Questions and Answers
Q: How much income do I need to qualify for an auto loan?
A: One of the biggest factors taken into consideration by lenders when loaning to someone is current proof of income. In general, lenders require $2,000 of gross income per month or $2,500 on joint applications. However, there are exceptions so it is best to share as much information as possible: pay stubs, bank account statements, etc.

Q: How do I get started to see if I qualify for a loan if I have poor credit?
A: The easiest way to see if you qualify is by giving our finance department a call to discuss your options, then visit our dealership to meet with a bad credit car loan specialist. No one will be turned away and we will work with you to help facilitate an auto loan. Give us a call today!
Bad Credit Auto Loan Financing
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Financing Department Hours

  • Monday - Friday 9:00am - 9:00pm
  • Saturday 9:00am - 6:00pm
  • Sunday Closed

About the Ed Napleton Automotive Group

With over 60 dealerships in eight different states, Ed Napleton Automotive Group has the financial resources to help customers who have a black mark or two on their financial history. Beyond the sheer numbers backing the company, Napleton is a family-owned business that believes in the power of bringing people and automobiles together. Let us work with you to find a great deal on the car you want today.

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*#1 Dealership Group in Illinois based on 2014 -2018 volume sales reported by Automotive News