Auto Financing

With Rainbow Motor Sales

Car ownership is within reach: get approved for an affordable car loan today!

Get Approved

Get Approved, First


Rather than worrying about lender rejection or unexpectedly high rates, Rainbow Motors has simplified the car-buying experience. With our streamlined know-before-you-buy process and access to a broad range of lenders, our finance team will help you pre-qualify for cars, trucks, and SUVs you’re likely to get, with the best terms and rates possible. Then, we’ll match you with quality vehicles that fit within your pre-approved budget. No heartache and no disappointment - just great vehicles!

How Our Finance First Process Works

Bad Credit Financing

Bad Credit Financing

We don’t believe in letting a low credit score hold you back from purchasing a reliable vehicle. With years of experience helping customers with less-than-ideal credit, our team can help you get approved for an affordable auto loan!

Learn More About Our Bad Credit Financing Services

Rebuild Your Credit

Rebuild Your Credit

Bad credit can feel like a roadblock whether you’re interested in buying a car, a new home, or taking out a line of credit. The good news is that financing a used vehicle while making consistent monthly payments can be an excellent way to build your credit!

Learn More About Rebuilding Your Credit With A Car Loan

Used-Car Financing FAQs

What do I need to apply for a car loan?

Be sure to have the following documents ready to make the financing process as easy as possible.

• Government-issued identification

• Proof of income

• Proof of residency/current address

• Social insurance number

• Down payment, if any (cash is preferred, but some places allow credit cards)

• Credit score/consent to a credit rating check

Can I get auto financing with bad credit?

We get it; life happens! Sometimes, a life event can turn everything upside down – including your credit. Whether you have good or poor credit, we can always find a solution to help you finance a new vehicle and get you back on your feet.

How can auto-financing improve my credit score?

Financing a vehicle is a great way to build your credit, even if it has to be from the ground up! Whether you’re new to the world of credit or have been sitting in the red zone for some time, having affordable payments that you pay off regularly and on time can really make a difference in improving your credit score.

How do I know if I have a good or bad credit score?

Typically, a credit score between 550 and 850 is considered good to excellent, which often gives you more options to work with. If your score ranks between 300 and 550, you might have a more challenging time getting approved by lenders.

What’s the benefit of a finance-first approval process?

By getting approved before you shop, we can help you find a vehicle that aligns with your needs and budget. This way, you can save hours at the dealership or the letdown of later getting denied by banks.

Can I use my trade-in as a downpayment?

Yes, we will absolutely take your current vehicle as a downpayment towards something new, all in one streamlined process. Trade in your used vehicle with Rainbow Motors to save time and headaches and get paid a fair market value. You can value your trade-in and get a no-obligation offer here.

Did You Find What You Were Looking For?

If not, we’re here to help! We try to provide as much helpful information as possible, but we know you might have specific questions. For more information about auto loans, bad credit financing, or getting approved with Rainbow Motors, please contact us anytime!

I’m Ready: Apply Now     Have Questions: Let’s Chat

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Give us a call at (517) 279-7616 or click here to send us a message!

395 N Fremont Rd, Coldwater, MI 49036