Auto financing
for good and bad credit

Get pre-qualified in under 2 minutes and see personalized terms with no impact to your credit score and shop by monthly payments.

Auto financing for good and bad credit in Schenectady, NY - Fogg's AutomotiveAuto financing for good and bad credit in Schenectady, NY - Fogg's Automotive
Your Monthly Payment
$500 down payment
*For display only, actual credit terms may vary
The First Advantage

Why shop at Fogg's first

Our team protects your credit by matching you to the bank that best fits your needs. Don't waste time at other dealerships that send your information out to every bank, tanking your credit score.
Shop at Fogg's Automotive First to improve your chances of pre-approval for an auto loan
Shop at Fogg's Automotive First to improve your chances of pre-approval for an auto loan
Shop at Fogg's Automotive First to improve your chances of pre-approval for an auto loan
Shop at Fogg's Automotive First to improve your chances of pre-approval for an auto loan
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It takes less than two minutes & no credit hit

Frequently Asked Questions

Have questions about getting pre-approved for an auto loan? We’ve got you covered with auto loans for good and bad credit.

We first will pre qualify you. You can get pre approved for a car loan at Fogg's instantly online with no impact to your credit score. Keep in mind that this is just an estimate to help you get started. We have a great auto financing team that often can get you approved for more when you come into the dealership.

If necessary, will provide you with a list of documents required for final approval. These documents usually include your pay stubs, driver's license, and a utility bill. If you don't have these, don't worry. Our team will work with you to get the right documents.

We then verify all your information, and look at your credit history. Then we match you to the right banks for you situation. We will collect loan offers from banks with details such as loan term, interest rate, down payment, and monthly payment.

Then we can help you shop for vehicles that you are approved for! We don't waste your time looking at vehicles only to be unable to get you approved. We have one of the largest selections of used vehicles in the Schenectady area, with a full selection of cars, trucks and SUVs.

Our team specializes in all used car financing, including bad credit car financing. Unlike many bad credit car dealerships in the Schenectady area, we protect your credit while getting you approved.

Getting car loans with bad credit can be difficult. However, our finance experts are available to assist you in finding the most suitable loan for your specific situation. We understand that your credit score is not the full picture. Sometimes life happens, and we end up with unexpected expenses. We build a strong case for you to get the best approval using more than just your credit score.

Getting an auto loan with bad credit doesn't have to be a hassle. We want to make it easy for you to get the right vehicle by working with your budget and credit history. Explore your bad credit financing options with one of our experts today. Our team will work harder than anyone else in the Albany, Schenectady or Saratoga area to get you approved!

We have lenders that work with first time buyers! Getting a car loan for the first time can be scary, but our friendly team will guide you through the process. We are completely transparent, and will help make your first car buying experience as seamless as possible.

Getting an auto loan pre qualification will help you get an idea of how much you can afford. This is only an estimate, and we can often approve you for a higher amount when you visit the dealership.

You will need your driver's license or a licensed driver to come with you. A licensed driver must drive your new car off the lot, and register and insure the vehicle.

Depending on your situation, you may need proof of income. This could be your most recent pay stubs or something like an award letter. Our team will let you know what specific documents you will need based on your credit situation.

Additionally, you may need proof of address. This would be a utility or phone bill with your name and current address on it. Once again, our friendly team will let you know exactly what you need to bring.

If you can't get one of the documents we asked for, please tell us before you come in! We do not want to waste your time, and without your documents we may not be able to help you. Sometimes there is another document that will work, or we may have another solution.

We do need clear printed documents, but if you do not have a printer we are happy to print for you. Please email us your documents in pdf format well before your appointment so we can have them ready. This is to comply with bank requirements and give you the best chance of approval.