Credit Center

Credit problems don't have to hold you back from buying the car you want. Even if you've had repos and mortgage arrears, or you're self-employed or have no credit history - Each finance department at every Fenton Family Dealership is here to help. We can get you a vehicle TODAY and tailor the perfect deal to meet your needs.

  • Divorced
  • Foreclosure
  • Repossession
  • Bankruptcy
  • Bad Credit

At the Fenton Family Dealerships, we look at your future, not your past. No matter what your credit situation is, if you have been on your job for at least 6 months and have the down payment required for the vehicle you wish to purchase, we can put you in a vehicle.

Bad things happen to good people...we know that...and we are here to help. Our application is secure, free, and there is no obligation after you apply.
When we say we want to see you approved for a new or pre-owned vehicle....we mean it. We have been able to help a lot of people, because we do understand that bad things happen to good people.

Let's say you've made a few late payments on your bills. Perhaps you have a maxed-out credit card. Or maybe you bought more car than you actually needed and couldn't keep up with the payments. Hey, it happens!! But now it's time to buy another car and you have serious doubts as to whether you'll get approved for a loan.

A few years ago, we tested the theory of buying a debt-free car as an alternative to buying at a used-car lot or a "buy here, pay here" dealership. We concluded that for some, the maintenance and repairs may prove too much for people to handle.

Buying a new car outright won't reestablish your credit. You'll need to take out a loan for that. But what options do you have? The "buy here, pay here" dealerships might be one alternative, but not all of them report your payment progress to the credit bureaus. Plus, you're still buying a used car that may require repairs. Is a new car out of the question? Not necessarily.

It is possible to buy a new car with bad credit - if you know where to look and how to prepare. The Fenton Family Dealerships want to help you.
Bring Documents To Show You're a Good Credit Risk

When you go into our dealerships to talk about financing, you need to bring along some important paperwork. These items will allow us to establish who you are and confirm that you have a job, that you have a history of making monthly payments on time and have friends or family the dealership can contact to find you if you stop making payments.

Bring these items with you:

  • The most recent pay stub from your job
  • Your utility bill (gas, water, electricity)
  • Your driver license
  • Three personal references

Stay in Your Price Range and Look at the Total Costs

Most people know what they can afford for a monthly car payment. But that sometimes ignores the bigger picture. Just because you qualified to buy a $22,000 midsize sedan doesn't mean you should buy it. For example, if you scale back and purchase a $17,000 compact sedan, you'll free up $100 per month. This is money you could use for gas, insurance or to pay other bills.

The New You

If you've done your credit homework, shopped within your price range and made all your payments, you've not only improved your credit score but also set up positive finance habits that will serve you well for years to come. If vehicles under $11K fit better within you budget, we do have quite a few vehicles that fit your budget needs for under $11K


Fenton Family Dealerships

591 Monadnock Hwy Rt 12
Directions East Swanzey, NH 03446

  • Sales: 888-278-0447


  • Monday 8AM - 7PM
  • Tuesday 8AM - 7PM
  • Wednesday 8AM - 8PM
  • Thursday 8AM - 7PM
  • Friday 8AM - 7PM
  • Saturday 8AM - 5PM
  • Sunday 12PM - 4PM

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