Used Car Financing for Excellent, Good, Bad, and No Credit at Ole Ben Franklin Motors

Serving  Knoxville, Alcoa, Sevierville, Maryville and Kingston Pike

Welcome to Ole Ben Franklin Motors - where we make used car financing as simple as possible. We work with customers with all types of credit, including excellent credit, good credit, fair credit, poor credit, bad credit, and customers with no credit at all! However, your path to owning your next vehicle starts with our simple, secure, and hassle-free online finance application. 

Complete the following finance application for preapproval and one of our experience finance team members will contact you to discuss next steps. Got questions? Don't hesitate to call us or complete our online contact form.

Applicant Contact Info*



**Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.


Co-Applicant Information

Co-Applicant Employment Information

**Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.


Privacy Statement

As a valued customer, we want to ensure your private information is kept private and only shared with those companies who are authorized either by yourself or as allowed or required by law. This document explains our privacy policy, gives you reasons why we ask for the type of information we do, and if we do reserve a right to share information with non-affiliated third parties, lets you "opt-out" of our reservation to do so. Please take a moment to read this entire policy.

Collection of Information
The purchase of a motor vehicle requires considerable accumulation of nonpublic personal information. For example, if we sell or lease you a vehicle - extending you credit at your request - we will receive information from you in order to determine your creditworthiness. We may also obtain information from a credit-reporting agency. We may also obtain information from third parties such as employers, references and insurance companies.

Some of the information we obtain from you may be required by state of federal agencies, such as the Department of Motor Vehicles or the Internal Revenue Service. This information may be required even if you were to pay cash for your vehicle. Examples would be a driver's license or social security number.

Protecting Your Information
We safeguard nonpublic personal information according to established industry standards and procedures. We maintain physical and electronic safeguards that comply with state and federal law. We restrict access to nonpublic personal information about you to those employees and outside contractors who need to know the information to provide product or service to you. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy.

Information Sharing
Unless we have indicated our desire to share your nonpublic personal information with non-affiliated third parties (by checking the box in the section below), we share information:

A) For everyday business purposes, such as to process transactions, maintain account(s), respond to court orders and legal investigations, or report to credit bureaus.

B) For purposes of processing a sale or lease transaction as your request or authorize, such as submitting information to third party financial institutions that may be requested to take an assignment of the contract or verifying insurance coverage information.

C) When using outside service providers to help us provide you with products and services. Before providing information to our service providers we enter into contractual agreements prohibiting them from disclosing or using the information other than for the purpose it was disclosed.

D) With "Affiliated" companies. Companies that are affiliated with us include any company that controls us, any company we control, or any company under common control with us.

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I am interested in purchasing or leasing a vehicle and request that my Consumer Credit Report be obtained, at no cost to me, in order to help determine the types and extent of financing which may be available to me.

Low Interest Rates & Flexible Terms for Well-Qualified Borrowers

Are you looking for the best used car financing solution in the  Knoxville, Alcoa, Sevierville, Maryville and Kingston Pike, Tennessee area? Look no further than the experienced finance team at Ole Ben Franklin Motors. We've established partnerships with the leading local credit unions, banks, and financial companies to provide our well-qualified customers with exceptionally low interest rates and favorable terms. With a strong credit score and credit history, you can finance most used vehicles for up to 72 months with a low interest rate to keep your monthly payments as low as possible. At Ole Ben Franklin, we understand the time and effort you've taken to build a strong credit history and we'll make sure you're rewarded for it.

Bad Credit Used Car Loans for Damaged Credit in Knoxville, Alcoa, Sevierville, Maryville and Kingston Pike

In most instances, drivers with a credit score below 619 will be considered to have a low credit score, and credit scores below 499 will be considered bad. Customers whose credit scores are within this range may not be able to find an auto loan through the traditional channels, like banks, credit unions, and finance companies. Instead, sup-prime auto lenders specialize in helping customers with poor or bad credit find auto loans. At Ole Ben Franklin Motors, we've partnered with some of the leading sub-prime lenders. As a result, we've been able to extend bad credit auto loans to customers who have been told "no" by other dealerships. Even if you think your credit score wouldn't qualify for conventional sub-prime lending solutions, we can still help.

Buy Here, Pay Here Auto Financing for Bad Credit Auto Loans

Our onsite T and M Finance allows us to provide on-the-spot auto financing for all types of credit. However, we're not your traditional Buy Here, Pay Here bad credit financing car lot. Through T and M Finance, all of your monthly bad credit auto loan payments will be reported to the three major credit bureaus. By doing so, we will help you reestablish your credit, so the next vehicle you purchase will have more favorable terms and lower interest rates.

First-Time Car Buyer's Loans & Auto Loans for No Credit

In many instances, bad credit is better than no credit at all. Customers with a thin credit file or no credit score traditionally offer potential lenders no point of reference in their ability to make car payments. As a result, most lenders are very leery about issuing first-time car buyer loans or issuing car loans to customers with no credit. However, at Ole Ben Franklin Motors, we own the bank! In addition to partnering with some of the leading sub-prime lenders in the Tennessee area, we offer a convenient Buy Here, Pay Here solution. Our onsite T and M Finance company allows us to issue loans on the spot to first-time car buyers who would've been declined by other auto dealerships.

Buy Here, Pay Here First-Time Car Buyer's Auto Loans

Best of all, when you use our Buy Here, Pay Here finance solution, all of your monthly payments will be reported to the major credit bureaus. By making on-time payments, you can establish a strong credit history and credit score, which can drastically simplify your next vehicle purchase and ensure you have a lower interest rate and better terms.

Contact Ole Ben Franklin for Used Car Financing

Regardless of your credit score, we treat all of our customers with the respect and dignity you deserve. Our goal is simple - to help you find reliable transportation you love at monthly payments you can afford.

Give us a call with questions about auto financing.

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