Credit assistance programs in Northwest Florida and Alabama
Credit Assistance Programs in Florida & Alabama
At Step One Automotive Group, we believe your credit history should never stand in the way of getting the vehicle you need. Our finance departments across Florida and Alabama offer credit assistance programs designed to help even the most credit-challenged customers secure a car loan or lease.
Whether you’ve experienced foreclosure, bankruptcy, divorce, repossession, or simply have little to no credit history—we’re here to help. Our team works with a wide network of lenders to find flexible financing solutions that fit your needs.
What to Bring When Applying for Financing
To help us process your application quickly, please bring:
Valid Driver’s License
Ensure it’s current, not expired, revoked, or suspended, and that your address matches your residence.
Proof of Insurance
Include your agent’s name and contact information. You can add your new car to the policy after approval.
Proof of Residency
A recent utility bill (water, electric, etc.) with your name and current address.
Proof of Employment
A recent pay stub with year-to-date earnings; self-employed applicants should bring two years of tax returns.
Personal References
Full names, addresses, and phone numbers of friends or family who know you personally.
Phone Number Verification
Must be active and in your name (prepaid numbers not accepted).
Additional documents may be required if you are trading in a vehicle, have completed bankruptcy, or are in an open Ch. 13 bankruptcy (court authorization required).
Auto Financing Made Easy
At Step One Automotive Group, we’re committed to making your car-buying experience smooth and stress-free—no matter your credit score. Our experienced finance teams will work hard to get you behind the wheel of a new or used vehicle you’ll love.
Visit any of our dealerships in Fort Walton Beach, Crestview, Niceville, Destin, Gulf Breeze, and our Alabama locations, or start your financing journey online today.