What credit score do I need for a car loan in Florida?

Many lenders in Florida will work with scores as low as 400–450, depending on income, down payment, and the vehicle. There is no hard cutoff — Dustin evaluates your full profile.

Can I get a car loan with a repossession in Florida?

Yes. The time since the repo, your current income, and your available down payment are the biggest factors. Many buyers with past repos have been approved — especially 12+ months after the incident.

What if I have an open or discharged bankruptcy?

Both are workable. Chapter 7 (discharged) and Chapter 13 (active) have specific lender options. Dustin knows which lenders to approach for each situation.

How much down payment do I need with bad credit in Florida?

It depends on your score and income. Some buyers qualify for $0 down. Others may need $1,000–$3,000 to improve approval odds and payment range. Dustin will tell you what makes sense for your situation.

Will checking my approval options affect my credit score?

No. Dustin reviews your situation first without running your credit. A hard pull only happens when you apply through a lender — which you control.

Bad Credit Car Loans in Florida — Get Approved Today

Struggling with bad credit in Florida? Dustin at Lee Auto Group Tampa works with 20+ lenders who specialize in every credit situation — bad credit, no credit, prior bankruptcy, and repossessions. Florida buyers from Tampa, Orlando, Lakeland, Sarasota, and beyond have been approved. Call or text (813) 727-7168 or check your approval online.

What Sets Dustin Apart

No minimum credit score required
Same-day approvals available
All income types accepted (W-2, 1099, self-employed)
Prior bankruptcy — welcome
Prior repossession — we have lenders for you
Florida’s I-4 Corridor — Tampa, Orlando, Lakeland buyers welcome

Lee Auto Group Tampa — 4027 S 50th St, Tampa, FL 33619. Mon–Fri 9am–8pm, Sat 9am–6pm, Sun 11am–4pm. Call or text (813) 727-7168.