Bad Credit Auto Financing in Fairfax, VA
Ourisman Kia of Fairfax helps drivers with bad credit, limited credit or no credit history explore auto financing on new Kias and used vehicles. Our finance team works with Kia Finance America and a network of banks and credit unions, compares what lenders offer for your situation and walks you through the options, honestly and without pressure.
You can pre‑qualify online in under a minute with no impact on your credit and no Social Security number required, then finish at our dealership at 10601 Fairfax Blvd. We can't promise approval for every situation, and no legitimate lender can, but we'll show you what's realistically available. [1]
Under 1 minute
Online pre‑qualification
No credit impact
No Social Security number to pre‑qualify [1]
Multiple lenders
Kia Finance America, banks and credit unions
4.4 stars
From 2,547 Google reviews [5]
Can You Get a Car Loan with Bad Credit?
Often, yes. Many lenders finance buyers with low credit scores, past late payments or no credit history. What changes is the terms: a lower score usually means a higher interest rate, and a lender may ask for a larger down payment or proof of steady income.
That's why comparing lenders matters. Because we work with Kia Finance America plus banks and credit unions, we can look at more than one option for your situation instead of a single yes or no. The goal is a payment that fits your budget, and a loan you can pay on time to help rebuild your credit.
Is There Such a Thing as Guaranteed Auto Loan Approval?
No. Every auto loan depends on a lender reviewing your application, so no dealership or lender can honestly guarantee approval for everyone. Offers that promise "guaranteed approval" often come with very high rates or terms that are hard to see up front.
What we can promise is transparency. We'll review what lenders actually offer for your situation, explain the rate, term and payment in plain language, and let you decide. And every eligible vehicle shows the Ourisman Promise Price, with no hidden fees.
How Bad Credit Car Financing Works at Ourisman Kia of Fairfax
1. Pre‑qualify online
Takes less than a minute, with no impact on your credit and no Social Security number required. [1]
2. Choose a budget
Pick a monthly payment you're comfortable with, then shop new or used vehicles that fit it.
3. Apply and compare
Submit a finance application. We compare offers from Kia Finance America, banks and credit unions.
4. Review and drive
We explain the rate, term and payment clearly before you sign anything.
What Lenders Look At
Your credit score is one factor, not the only one. Lenders also consider your income and employment, existing debt, the size of your down payment and the vehicle you choose. Here's how common credit factors tend to affect approval.
| Credit Factor | Usually Helps | Usually Hurts |
| On‑time payment history | ✓ | |
| Long‑standing credit accounts | ✓ | |
| Low balances vs. available credit | ✓ | |
| Little or no credit history | ✓ | |
| Late or missed payments | ✓ | |
| High existing debt | ✓ | |
| Recent bankruptcy, foreclosure or repossession | ✓ |
FICO® Score Ranges
Lenders use different scoring models, but these general ranges are widely used. [2]
How to Improve Your Approval Odds
Bring a down payment. Even a modest down payment lowers the amount you borrow and can make lenders more comfortable.
Show steady income. Recent pay stubs or other proof of income help lenders see you can make the payments.
Choose a vehicle that fits your budget. A used or Certified Pre‑Owned vehicle, or one from our vehicles under $15K, often means a smaller loan and an easier approval.
Consider a trade‑in or co‑signer. Trade‑in equity can serve as a down payment, and a co‑signer with stronger credit may improve your terms.
Pay on time. On‑time payments on your new loan can help rebuild your credit, and later you can ask about refinancing if your credit improves.
What to Bring to Your Appointment
A valid driver's license
Proof of income, such as recent pay stubs
Proof of residence, such as a utility bill
Proof of insurance
Your down payment, if you're making one
Title or loan payoff information for any trade‑in
No credit or first time buying? We can help first‑time buyers and drivers with little credit history understand their options and what lenders will look for.
Used Cars and New Kias for Buyers with Bad Credit
You can finance a new Kia or a used vehicle, and many buyers rebuilding credit start with a used car, a Kia Certified Pre‑Owned vehicle or one of our vehicles under $15,000 to keep the loan and payment manageable. Every eligible vehicle shows the Ourisman Promise Price, so you can see the real price before you apply. [4]
SHOP USED INVENTORY VEHICLES UNDER $15K KIA CERTIFIED PRE‑OWNED PRE‑OWNED SPECIALS NEW KIA INVENTORY
Ourisman Promise Price: No Hidden Fees
Every eligible vehicle shows the Ourisman Promise Price up front, with no hidden fees. It includes freight and the dealer processing fee. Taxes, title and registration are not included. When your budget is tight, knowing the real price before you apply matters.
Use Your Trade‑In as a Down Payment
Your current vehicle can lower the amount you finance. Get a trade‑in value online in a few minutes, and our team will confirm it in person. If you still owe on it, we'll explain how the remaining balance can be handled, subject to lender approval. [3]
VALUE YOUR TRADE FINANCE DEPARTMENTThe Ourisman Promise
Ourisman customers become Ourisman Promise members, with lifetime vehicle benefits and rewards that continue long after you drive away. [6]
Members also earn 5% back on purchases, repairs and maintenance in our Service Department, every time your vehicle visits our Fairfax service department.
LEARN ABOUT THE OURISMAN PROMISEOurisman Promise Member Benefits
A Family‑Owned Dealer Group Since 1921
Ourisman Kia of Fairfax is part of the Ourisman Automotive Group, a family‑owned dealer group founded in 1921, when Benjamin Ourisman opened his first dealership on H Street in Washington, D.C. More than a century later, Ourisman still serves the Washington, D.C., Maryland and Northern Virginia communities it calls home.
In 2026, Ourisman was voted a Best of the City winner for Best Dealership Staff by DC Magazine (Modern Luxury), recognizing the sales, service, parts and finance teams across the Ourisman family. [7]
Find Us
Talk With Our Fairfax Finance Team
Ourisman Kia of Fairfax
10601 Fairfax Blvd
Fairfax, VA 22030
Sales: (571) 200-8921
Service: (571) 701-9769
Parts: (571) 500-8378
Google rating: 4.4 stars from 2,547 reviews [5]
GET PRE‑QUALIFIED GET DIRECTIONSWant to know who you'll be working with? Meet our executive team.
Serving Fairfax, Arlington, Alexandria and Washington, D.C.
Ourisman Kia of Fairfax is on Fairfax Blvd at Warwick Ave, about a mile and a half from I‑66 Exit 60. We're about 15 minutes from Tysons, 20 minutes from Arlington via I‑66 and 30 minutes from Alexandria via the Beltway, depending on traffic. We help drivers from:
- Fairfax
- Vienna
- Tysons
- Oakton
- Chantilly
- Centreville
- Burke
- Springfield
- Annandale
- Arlington
- Alexandria
- Washington, D.C.
Also Worth a Look
Used Inventory Vehicles Under $15K Kia Certified Pre‑Owned Kia Sorento Kia Leasing Kia Specials Finance DepartmentBad Credit Auto Financing FAQs
Can I get a car loan with bad credit in Fairfax, VA?
Often, yes. Ourisman Kia of Fairfax works with Kia Finance America and a network of banks and credit unions to find financing options for drivers with bad credit, limited credit or no credit history. Approval and terms depend on the lender's review of your application.
Does Ourisman Kia of Fairfax offer Kia bad credit financing?
Yes. Our finance team works with Kia Finance America as well as banks and credit unions, so we can compare more than one option for buyers with credit challenges on new Kias and used vehicles. All financing is subject to credit approval.
Are there car dealerships with guaranteed auto loan approval?
No legitimate dealership or lender can guarantee approval for every buyer, because every loan depends on a lender's review. Offers that promise guaranteed approval often carry very high rates. At Ourisman Kia of Fairfax, we show you what lenders realistically offer and explain the terms clearly.
Can I buy a used car with bad credit?
Yes. Many buyers rebuilding credit choose a used car, a Kia Certified Pre-Owned vehicle or a vehicle under $15,000 to keep the loan amount and monthly payment manageable. Ourisman Kia of Fairfax finances used vehicles as well as new Kias.
Can I finance a new Kia with bad credit?
In many cases, yes. Whether a new Kia makes sense depends on the lender's terms and your budget. Our finance team can compare new and used options side by side.
Can I get a car loan with no credit history?
Often, yes. Lenders may ask for proof of income, a down payment or a co-signer when you don't have a credit history. We can help first-time buyers understand their options and what lenders will look for.
Does getting pre-qualified affect my credit score?
No. Ourisman Kia of Fairfax's online pre-qualification has no impact on your credit, doesn't require a Social Security number and takes less than a minute. A full finance application may involve a credit check. [1]
What credit score do I need to finance a Kia?
There's no single minimum score. Lenders look at your credit score along with your income, employment, existing debt, down payment and the vehicle you choose. Higher scores generally qualify for lower rates.
What do I need to bring to finance a car with bad credit?
Bring a valid driver's license, proof of income such as recent pay stubs, proof of residence, proof of insurance, your down payment and title or payoff information for any trade-in.
How much of a down payment do I need with bad credit?
There's no fixed amount, but a larger down payment lowers the amount you borrow and can improve your chances of approval and your terms. Trade-in equity can count toward a down payment.
Can I refinance a car loan with poor credit?
It may be possible, depending on the lender and your current loan. Ask our finance team to review your situation. Many drivers refinance after a period of on-time payments helps their credit improve.
Will financing a car help rebuild my credit?
Making every auto loan payment on time can help build a positive payment history, which is one of the most important credit factors.
What is Kia Finance America?
Kia Finance America (KFA) is Kia's captive finance company, which provides loans and leases on Kia vehicles through Kia dealers. Ourisman Kia of Fairfax works with KFA along with banks and credit unions.
Where can I get bad credit car financing near Arlington and Alexandria?
Ourisman Kia of Fairfax is at 10601 Fairfax Blvd, Fairfax, VA 22030, about 20 minutes from Arlington via I-66 and 30 minutes from Alexandria via the Beltway. You can pre-qualify online before you visit.
What is the Ourisman Promise Price?
The Ourisman Promise Price is the advertised price on eligible vehicles at Ourisman Kia of Fairfax, with no hidden fees. It includes freight and the dealer processing fee. Taxes, title and registration are not included.
What is Ourisman Kia of Fairfax's Google rating?
As of September 30, 2026, Ourisman Kia of Fairfax has a 4.4-star Google rating from 2,547 Google reviews.
What are Ourisman Kia of Fairfax's phone numbers?
Sales: (571) 200-8921. Service: (571) 701-9769. Parts: (571) 500-8378.
[1] Pre-qualification does not affect your credit score, does not require a Social Security number and does not guarantee approval or specific terms. A full credit application may involve a credit inquiry.
[2] FICO® Score ranges are general and provided for reference. Lenders may use different scoring models and criteria.
[3] Including a remaining loan balance in new financing is subject to lender approval and increases the amount financed. Trade-in values are subject to vehicle inspection.
[4] Kia Certified Pre-Owned program coverage and eligibility are set by Kia and may change. See dealer for details.
[5] Google rating and review count as of September 30, 2026.
[6] Ourisman Promise benefits apply to qualified vehicles; some benefits are based on availability. Ourisman Promise rewards: reward dollars expire if the vehicle is not seen in service within a 12-month period. Maximum 10% discount per repair order or vehicle purchase. Discount cannot exceed $150 per repair order. Discounts cannot be combined with any other offer or discount.
[7] 2026 Best of the City award, Best Dealership Staff, presented by DC Magazine (Modern Luxury) to Ourisman Automotive Group.
All financing is subject to credit approval by Kia Finance America or other participating lenders. Not all buyers will qualify. Rates, terms and down payment requirements vary based on creditworthiness, income, vehicle and term. The Ourisman Promise Price includes freight and the dealer processing fee, with no hidden fees. Taxes, title and registration are not included. Drive times are approximate. See dealer for details.