Bad Credit Car Loans in Decatur, AL

Bad Credit Car Loans in Decatur, AL

Acquiring a reliable vehicle is essential. However, if you’ve struggled financially in the past and are finding it difficult to get approved for financing, then University Kia is here to lend a hand. Rather than determining your qualifications on the past, we’re focused on your future! Therefore, even if your credit score is less than stellar, we can still approve you for a loan, so you can get your hands on a quality set of wheels.

What is the University Kia Credit Clinic?

If other dealers have declined your application for a loan, it may be time to pay us a visit. Even if you’ve filed for bankruptcy in the past, lack a credit score, or just don’t have the funds for a large purchase, our knowledgeable and experienced credit approval team is prepared to work within your means. This is where our Credit Clinic comes into play! When you meet with us, we’ll listen closely to your needs and work tirelessly with our network of connections to local lenders to find a loan that won’t put a strain on your bank account. Get started today by calling us at 1-800-KIA-DEAL!

Online Resources

In addition to our expert Finance Department, our website provides a variety of handy resources that can help you get a jump start on the financing process. If you’re curious to see what sort of vehicle installments your current budget could accommodate, try plugging some numbers into the Payment Calculator! This easy-to-use form also allows you to discover your maximum spending limit, so you can cater your search to fit within this range. Furthermore, you could get pre-approved today when you complete our Finance Application! Just provide the required information and you’ll be on your way to receiving a competitive car loan.

Expansive Inventory

We stock a wide assortment of both new and used vehicles spanning numerous makes and models, so it shouldn’t be much of a challenge to discover your dream car, truck, or SUV. If cost is a concern, you might want to focus your search on our pre-owned options. Once you click on the appropriate tab above, you’ll be taken to a page that displays everything currently on our sales lot, enabling you to browse at home. Don’t forget to check out the customizable parameters on the left side of the screen, so you can create a refined list that only includes the makes, models, colors, years, and other factors that matter most to you.

To learn more about our bad credit car loans in Decatur, AL, stop into University Kia at your earliest convenience. Our primary goal is to help you drive home in a vehicle you love at an agreeable price, so let us know how we can help! We’re here six days a week and would love to chat soon.


Sales Hours

800-KIA-DEAL

Get Approved Today!

Contact Information


Dealership Information

Testimonials

wes mccurry
wes mccurry
GOOGLE
8-8-2020
Full Star Full Star Full Star Full Star Full Star

The service department has been great to deal with and it is obvious Rick runs a solid and important piece of the business very well.

"Awesome Experience at University Kia"

Happy Nana
DEALERRATER
5-2-2020
Full Star Full Star Full Star Full Star Full Star

I had been through every online source car shopping for my granddaughter a safe, excellent value car for her 16th birthday. When I spotted the perfect car on University Kia's website, I emailed to check the availability. I received a call back and was directed to Maurice Dobbins. If I told you that within an hour, we were on our way for a 5 hour drive to pick up that perfect car, you might think I was dreaming but within 24 hours, the dream came true for my granddaughter - Passion red, Kia Optima S with moonroof, Apple car play and less than 11,000 miles. Everyone at the dealership was great, the car was detailed like new and ready for pick up. We highly recommend that you give University an opportunity to earn your business!

John Bateman
John Bateman
GOOGLE
4-18-2020
Full Star Full Star Full Star Full Star Full Star

Very easy place to purchase a vehicle. The sales staff is friendly and the service department is very quick. I would refer all of my friends and family to this dealership for a new or used vehicle.

Tish Hardric
Tish Hardric
GOOGLE
4-18-2020
Full Star Full Star Full Star Full Star Full Star

Words can’t express how pleased I am with the service I received from University Kia. Top notch all the way! The staff is remarkable and will ensure you find the perfect auto.

QM705
QM705
GOOGLE
4-18-2020
Full Star Full Star Full Star Full Star Full Star
Sal Alonso
Sal Alonso
GOOGLE
4-18-2020
Full Star Full Star Full Star Full Star Full Star

One of the best teams in Huntsville.

Barbie Kynn
Barbie Kynn
GOOGLE
4-18-2020
Full Star Full Star Full Star Full Star Full Star

Warm and friendly staff made it easy to choose Kia!

Ron Gray
Ron Gray
GOOGLE
4-18-2020
Full Star Full Star Full Star Full Star Full Star

Calvin Owens is great. He and the sales manager, Mike, moved quickly to find what I was looking for, and at an excellent price. Highly recommended!

Robert Register
Robert Register
GOOGLE
4-18-2020
Full Star Full Star Full Star Full Star Full Star

Arthur Seaton is that rare car dealer that cares more about his reputation than his bank account. You can count on him to do the right thing every time.

Corey Jordan
Corey Jordan
GOOGLE
4-18-2020
Full Star Full Star Full Star Full Star Full Star

Fantastic dealership in Huntsville, al where Arthur Seaton and his staff always believes in there motto. *We wanna See Ya in A Kia" . Customer Satisfaction above all else.

Charisse Felton
Charisse Felton
GOOGLE
4-18-2020
Full Star Full Star Full Star Full Star Full Star

Brian Thomas is amazing at what he does! Not only is he personable, he truly cares about his customers that he affectionately calls family. I definitely recommend going to see him. You won’t be disappointed!

Dustin Beaver
Dustin Beaver
GOOGLE
4-18-2020
Full Star Full Star Full Star Full Star Full Star

I purchased my stinger a couple of months ago from Arthur Seaton. The sales staff and service department has done an outstanding job for me and I will buy my next kia from them. I highly recommend University Kia for your next vehicle purchase.

John Thomas
John Thomas
GOOGLE
4-18-2020
Full Star Full Star Full Star Empty Star Empty Star

Great place. Nice people. But I have a complaint. I went and took my brand new car (2020 Kia Forte GT-line) in for a full synthetic oil change and tire rotation and they charged me $127. I was told that full synthetic oil change was only $70 they did not tell me they charged for the tire rotation. I can go to pep boys and get a tire rotation and full synthetic oil change for around $70 to $80. And that’s probably where I’ll go next time. Either that or fire stone or express oil. I was shocked at the price. At least the ford dealer didn’t even charge for a tire rotation they throw it in for free when I had a ford. I don’t even think the Honda dealer charges that much. The sales experience I had was pretty good. Andrew Harris is great. Highly recommend him.

"Wonderful place to buy a car"

Lauren
DEALERRATER
4-14-2020
Full Star Full Star Full Star Full Star Full Star

I had an amazing experience working with the sales representative Avery. He listend to my wants and needs and did so in a respectful manner. He worked with the managers to get me the best deal possible with the situation I was in. I was very impressed and would recommend this dealership to anyone!

"Sales Representative Andrew Harris - superb"

Scott D. Fouse
DEALERRATER
4-13-2020
Full Star Full Star Full Star Full Star Full Star

Andrew Harris is one of the few sales associates I have met who has a genuine concern for helping customers solve their transportation needs - he's not just pursuing the next sale - he sincerely strives to help people with improved transportation solutions - this makes all the difference.

"Heath put us in the perfect car, and we didn’t even..."

squint006
DEALERRATER
4-12-2020
Full Star Full Star Full Star Full Star Full Star

Heath put us in the perfect car, and we didn’t even realize that would be our ideal car! My wife and I were in the market to downsize our vehicle. Heath listened to our wants and needs, then gave us a small selection to choose from, explaining how each vehicle met our wants. We ended up with a vehicle we had never considered, and it is performing above our expectations! Also, Russell in the back office was professional, knowledgeable, and patiently worked with us to ensure our supplemental needs were taken care of while completing the final paperwork.

"I was looking for a car but wasn’t sure if I wanted a new..."

LeChelle
DEALERRATER
4-10-2020
Full Star Full Star Full Star Full Star Full Star

I was looking for a car but wasn’t sure if I wanted a new or used. Heath was very patient while telling me about my options. When I make my decision I will surely ask for him.

"Best Dealership EVER!!!"

BamaBorn1987
DEALERRATER
4-10-2020
Full Star Full Star Full Star Full Star Full Star

So I'm not a huge fan of the car buying experience. I always feel pressured, which I HATE, but I didn't feel that at University KIA! They were very patient with me, and even offered to deliver the car to my home! Couldn't be happier

"Incredible Atmosphere"

PerfidiousRex85
DEALERRATER
4-10-2020
Full Star Full Star Full Star Full Star Full Star

When I went to University Kia, I was in a bad place. A week prior, my car had been totaled by a drunk punk wielding a four thousand pound death machine. I wasn't given the liberty of deciding when I would buy a new car, that decision was made for me by a selfish individual who didn't care who he infected with his whiskey filled butterfly effect. That being said, purchasing this vehicle was the greatest car buying experience of my life. The salesman I dealt with was named Heath. He took time to make sure I found the vehicle that worked best for me and my family. I greatly appreciate all of his efforts.

"kia sportage"

Bob Bart
DEALERRATER
4-10-2020
Full Star Full Star Full Star Full Star Full Star

I bought a 2020 Kia Sportage. I was able to do 90% of every thing on line and by phone. Calvin made the buying prosses very quick with no presser at all. Calvin had the Sportage clean and ready when I arrived. He call me a couple of days latter to insure that I understand how all the tec stuff worked and understood how to use it. I will buy all my Kia's from Calvin at University Kia.

"Best place to buy a new car!"

superdave160
DEALERRATER
4-10-2020
Full Star Full Star Full Star Full Star Full Star

Most car dealers have outrageous prices and high-pressure sales associates. Prices on new AND used cars at University Kia are lower than any other dealer around. I was able to get a new Kia for THOUSANDS less than MSRP. I LOVE MY NEW KIA!

"The transmission went out on our vehicle so we visited..."

Cararoyster
DEALERRATER
4-10-2020
Full Star Full Star Full Star Full Star Full Star

The transmission went out on our vehicle so we visited University Kia and talked Heath. He was phenomenal at getting us into the vehicle that fit our family needs. He was very knowledgeable and personable. I would recommend Heath for all your car buying needs!

"Great Experience"

Linda86
DEALERRATER
4-10-2020
Full Star Full Star Full Star Full Star Full Star

In my own experience, car-buying has usually been a stressful process, so I can be skeptical when having to shop for a new car. High pressured sales representatives are frustrating; but just as frustrating are sales reps who don't seem to know much of anything about the cars they're selling. I have to say, University KIA took me by surprise. Andrew Harris was exceptional! There were a couple of cars that caught my interest, and he seemed to know everything a person could know about each of them--telling me things about them I wouldn't have even thought to ask, which helped a lot! Thanks to him, I was less stressed and felt well-informed and equipped to make the right choice. No stress, no pressure...just genuinely caring and helpful guidance with lots of patience! Thank you, Andrew. I hope you're still working there the next time I need a car.

"Heath was truly exceptional in assisting me with buying a..."

ngoode0712
DEALERRATER
4-10-2020
Full Star Full Star Full Star Full Star Full Star

Heath was truly exceptional in assisting me with buying a car. He was very knowledgeable and professional during the process and helped me find the best vehicle for my family and I.

"Used vehicle "

CLincoln
DEALERRATER
4-9-2020
Full Star Full Star Full Star Full Star Full Star

University Kia was helpful in searching their used vehicle inventory. The manager did not put any pressure on me to purchase. I will return again. The free coffee was a nice touch.

"Most Helpful Dealership"

cecoiner54
DEALERRATER
4-8-2020
Full Star Full Star Full Star Full Star Full Star

I found this dealership to be most helpful in answering my multiple questions, and offering pertinent information that I did not think to ask. They made the entire process easy.

"They cared"

LisaL
DEALERRATER
4-7-2020
Full Star Full Star Full Star Full Star Full Star

The dealership did a great job of being empathetic and addressing my concerns. It was a safe, comfortable environment and they went out of their way to ensure I got a car I love at a price I could afford. Thank you!

"Go see Evan!!!"

Jhopper
DEALERRATER
4-7-2020
Full Star Full Star Full Star Full Star Full Star

Been going to University Kia for 10 years. My car has been running smoothly since my purchase years ago. Evan did an exceptional providing me with excellent customer service and University Kia always takes care of my vehicle. I am extremely satisfied!

"Mike is the Bomb!"

Verified
DEALERRATER
4-7-2020
Full Star Full Star Full Star Full Star Full Star

Best experience I ever had purchasing a vehicle. Mike knew what we needed to do to get the deal done. I welcome the opportunity to send my family and friends to University Kia.

"Great Place"

KJ
DEALERRATER
4-7-2020
Full Star Full Star Full Star Full Star Full Star

Great Sales and Service Teams. No hassle buying With a team that is helpful and willing to work with you, Very helpful service team both advisers and mechanics.

"Best experience ever! Kind. Up front. Prompt! Couldn’t..."

Lafamilia
DEALERRATER
4-7-2020
Full Star Full Star Full Star Full Star Full Star

Best experience ever! Kind. Up front. Prompt! Couldn’t have been an any better job by the staff at this store. I would recommend to anyone!

"Brian Thomas is amazing at what he does! Not only is he..."

Charisse
DEALERRATER
4-6-2020
Full Star Full Star Full Star Full Star Full Star

Brian Thomas is amazing at what he does! Not only is he personable, he truly cares about his customers that he affectionately calls family. I definitely recommend going to see him. You won’t be disappointed!

Jermaine Bates
Jermaine Bates
GOOGLE
3-18-2020
Full Star Full Star Full Star Full Star Empty Star
Debra Clark
Debra Clark
GOOGLE
3-18-2020
Full Star Full Star Full Star Full Star Full Star
Life Of Kiki !
Life Of Kiki !
GOOGLE
3-18-2020
Full Star Full Star Full Star Full Star Full Star

Excellent service

johnny watters
johnny watters
GOOGLE
3-18-2020
Full Star Full Star Full Star Full Star Full Star
Anthony Murphy
Anthony Murphy
GOOGLE
3-18-2020
Full Star Full Star Full Star Full Star Full Star
J B
J B
GOOGLE
3-18-2020
Full Star Full Star Full Star Full Star Empty Star
Tonia Martin
Tonia Martin
GOOGLE
3-18-2020
Full Star Full Star Full Star Full Star Full Star
Jose Perez
Jose Perez
GOOGLE
3-18-2020
Full Star Full Star Full Star Full Star Full Star
Matthew Gonzalez
Matthew Gonzalez
GOOGLE
3-18-2020
Full Star Full Star Full Star Full Star Full Star

I went in there to look for a used car for work commute and talked with Pauley who is actually a service rep not a sales rep and he was great, super professional and accommodating. He wasn't pushy like trying to sale a car at all cost, he was just trying to make it comfortable for us. And I think Bill or Ben I can't exactly remember (financing rep) was super helpful as well. Even though we didn't get a car they were great. Definitely ask for Pauley.

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