University Kia

Rebuild Your Credit Car Loans in Decatur, AL

Rebuild Your Credit Car Loans in Decatur, AL

It’s unfortunate that bad credit can be a vicious cycle, making it nearly impossible for certain individuals to break free. After all, rebuilding your credit after financial difficulty is quite the challenge when your poor score prevents you from being approved for a loan. Thankfully, the team at University Kia is here to tell you that it doesn’t have to be this way forever. Regardless of your past history, we’ll help you secure the auto financing you need!

How Can I Rebuild My Credit with a Loan?

Though it may sound somewhat counterintuitive, one of the quickest ways to rebuild your subpar credit score is with a new loan. By making timely payments each month, your credit history will gradually increase over time, allowing you to eventually finance bigger purchases at more favorable rates. However, less-than-stellar credit poses quite the barrier, as many lenders aren’t willing to take the chance on someone viewed as a risky investment. This results in people not being able to climb out of this restricting hole. Therefore, University Kia is here to come to your rescue!

Easy Financing

At our dealership, poor credit won’t keep you from being approved for a loan by our Finance Department. We understand the value in investing in the future, not the past. That’s why we’re here to work with your circumstances, so you don’t have go another day without a dependable vehicle. All we ask is that you provide proof of employment and earn at least $350 per week—that’s it! Furthermore, our top-notch representatives are here to explain the various steps of financing in greater detail, so nothing is left to chance. You can feel confident working with our team, as we never pressure you into a vehicle or loan that you’re not comfortable with.

Financing vs Leasing

Depending on your current needs, you may want to consider giving leasing a try. This alternative to financing a purchase is typically less expensive than the more traditional path of acquiring a vehicle since you’ll be borrowing the car instead of owning it. As a result, you only have to make payments that cover the amount you drive each year and how much the vehicle you choose depreciates. Once the contract ends, you can elect to lease again or opt for a different course of action entirely. Thanks to our generous selection of Kia models, you could be behind the wheel of a brand-new ride sooner than you ever imagined!

When you stop into University Kia, feel free to ask our staff about our rebuild your credit car loans in Decatur, AL. Our Credit Clinic is prepared to bring you up to speed, so you can learn about the benefits of raising your credit score. Don’t hesitate to contact us with any pressing inquiries!


Contact Information


Visit the University Kia Credit Clinic Today!

Sales Hours

800-KIA-DEAL
Monday 9:00 am - 8:00 pm
Tuesday 9:00 am - 8:00 pm
Wednesday 9:00 am - 8:00 pm
Thursday 9:00 am - 8:00 pm
Friday 9:00 am - 8:00 pm
Saturday 9:00 am - 8:00 pm
Sunday Closed

Testimonials

Everything was great!

Sharon Tate
2-15-2020
Full Star Full Star Full Star Full Star Full Star

Everything was great!

Adrian was extremely pleasant and helpful

kristine rinehart
2-12-2020
Full Star Full Star Full Star Full Star Full Star

Adrian was extremely pleasant and helpful

I had a nice experience..

demetra jolly
2-5-2020
Full Star Full Star Full Star Full Star Full Star

I had a nice experience.. The service dept personnel and other workers were nice and friendly

Smooth buying process every step of the way

chris smith
1-29-2020
Full Star Full Star Full Star Full Star Full Star

Smooth buying process every step of the way, and best customer service I’ve ever had!

I bought my 2016 kia soul at university kia

Melissa McCoy McDaniel
1-19-2020
Full Star Full Star Full Star Full Star Full Star

I bought my 2016 kia soul at university kia. 1st time going to th he dealership. My salesman(Keoni Parks)was very nice and helpful. He came to my job on Sunday got some paperwork the finance department needed. Thank you kia for having a great sales team

So professional and polite.

Bigelow Communications
12-17-2019
Full Star Full Star Full Star Full Star Full Star

Pauley took excellent care of me. So professional and polite. He smiled the whole time. Excellent service from everyone!

The service person was friendly and helpful.

Christina Pittenger
12-1-2019
Full Star Full Star Full Star Full Star Full Star

The check in was well done. The service person was friendly and helpful.

Absolutely awesome sales team.

David Allgood
11-28-2019
Full Star Full Star Full Star Full Star Full Star

Absolutely awesome sales team. Got the best deal on a new KIA and look forward to continued service at University KIA. Gruels a class act - thank you!

Great customer service. Thanks Pauley!

Virginia Taylor
11-7-2019
Full Star Full Star Full Star Full Star Full Star

Great customer service. Thanks Pauley!

We were very satisfied

susan mccostlin-roberts
10-18-2019
Full Star Full Star Full Star Full Star Full Star

We were very satisfied with the service done on our KIA Sedona. Stan was informative, very prompt, and on the money in keeping us informed during the whole process. I would recommend the service department to friends and family, or anyone really, wholeheartedly! Thanks University KIA and Stan!!

The whole process took only about 2 hours

Roman Lesnov
10-2-2019
Full Star Full Star Full Star Full Star Full Star

University Kia was a great experience. I came for oil change, multi point inspection, and tire replacement on 10/10/19. Pauley, one of the managers, arranged for everything to be done on time. He was very polite and friendly and carried me thru the whole process seamlessly. He also gave me a free shuttle service to work and back. The whole process took only about 2 hours. Keep up the good work!

I would highly recommend going to University Kia if you’re looking for a car. I love mine.

Regina Johns
8-22-2019
Full Star Full Star Full Star Full Star Full Star

I had a great experience. When I went to University Kia I parked at the far side of the lot because I didn’t want to be pressured by a salesman. I saw a salesman walking toward me and I thought “Oh here we go”. The salesman introduced himself (Randy Wallace) and gave me a lot of information about the car I was looking at. I told him I was not going to buy anything that day because I was still looking around. He gave me his card and told me to let him know if I needed anything. That was the reason I went back. If he had started rushing me to buy something and pressuring me, I would not have gone back. When I did go back, he gave me the information that I needed to pick the car I wanted. He did not try to get me to buy the most expensive car, he just told me about the car I was looking at and the different options. I was the one who fell in love with the fire orange Forte in the showroom :) They worked with me and I drove the car I wanted off the showroom floor that day. Everyone was very friendly and honest. It did take quite a while to finish the process, but that’s probably the case wherever you buy a car. I would highly recommend going to University Kia if you’re looking for a car. I love mine.

Worth the drive from Maryville

Nick Mccarter
8-1-2019
Full Star Full Star Full Star Full Star Full Star

Great experience working with this staff. Called on Friday and was able to set everything up for our new Telluride over the phone in about 30 minutes. Drove in today and filled out paperwork, and headed back to Maryville! If you need a Kia and want a great deal and smooth process it’s well worth the drive!!

We will be back!!

Candas Rogers
Google
7-17-2019
Full Star Full Star Full Star Full Star Full Star

My husband and I were greeted as soon as we pulled into the lot and within a couple of minutes, we had someone ready to help us!!! True professional experience!!! They were very knowledgeable and patient, considering all of the questions we had! We will be returning soon to purchase our daughter's first car!

LOVE MY FORTE

Becky Vaughn
Google
8-7-2019
Full Star Full Star Full Star Full Star Full Star

I purchased a 2019 Forte from university Kia this week. My friends, family and I all love the car. I want to say thank you to Randy Wallace, he is a very pleasant well-informed gentleman. Thank you

Cannot say enough!

Heather Wright
7-31-2019
Full Star Full Star Full Star Full Star Full Star

I can’t say enough great things about this dealership! My mother in law lost her husband and was in a bind with their car payment. Maurice Dobbins and his staff treated her like family and put her in a safe vehicle with a smaller payment. When relationship building is your main focus, like this dealership; it’s set for success! Thank you, Maurice and staff, for truly going above and beyond!

Thank you!

Kassie West
1-12-2018
Full Star Full Star Full Star Full Star Full Star

My husband and I went to University Kia in hopes of getting a used 2015 Chrysler 200 that I had saw online that I had fell in love with. The salesman I encountered was Randy Wallace and he was so helpful and really tried his hardest to get me in the car I wanted (and now have). The team at University Kia helped us tremendously and I couldn't thank them enough!

Very Welcoming

jennie anne
1-5-2018
Full Star Full Star Full Star Full Star Full Star

If you ant a KIA, this is the place to go. Gabriel Bryson was awesome with helping us locate our new vehicle. Thank You KIA for your welcoming family.

I Will be back for Sure

Hope Lightford
12-19-2017
Full Star Full Star Full Star Full Star Full Star

I went to u kia to look around and left the lot in a 2018 Optima. I couldn't be more pleased with it. This is my first time buying a Kia and I'm in love. My hubby loves it too! Ben Randall was very nice and helpful. He greeted us at the door and answered all my questions. The paperwork was done quickly and they worked to get the payments within our budget. I will be back for sure.

wonderful

Yezmin Johnson
11-14-2017
Full Star Full Star Full Star Full Star Full Star

University Kia in Huntsville, Al is a wonderful place to purchase your vehicle. The staff are so welcoming and friendly. The salesperson Cedric McGinnis was wonderful and helpful. Mr. McGinnis didn't rush us to make a decision and he was very patient and attentive. His customer service skills were OUTSTANDING. I would recommend University Kia to anyone purchasing a car

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