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Bad Credit Car Loans in Bountiful, UT

Our philosophy is to do business the way our guests have told us they want their car buying experience to be.

Our Mission
  • We will listen to you and respect your time
  • We will answer ALL your questions
  • We will assist you in rebuilding and re-establishing your credit profile
  • Informed product presentations and test drives
  • Work directly with our Senior Loan Analyst
  • Up front clear choice pricing and payments
  • The highest quality New and No Risk Used Cars
  • We'll meet your needs, then we'll ask to earn your business
  • We will provide a high level of service after the sale

Whatever your financial situation is, Larry H. Miller Bountiful is committed to getting you in the car you desire.


Chapter 7 Bankruptcy
Is a liquidation debt that generally takes three to four months from the filing date to discharge. We can arrange financing as soon as you have filed your chapter 7 no need to wait for a discharge.

Chapter 13 Bankruptcy
Is a re-organization of debts typically between one, three, and five year terms. Our lending source will require that an individual be at least 50% of the way through the term of discharge and recieve written permission from the trustee and/or the bankruptcy court.

Multiple Bankruptcies 
One or more bankruptcies that have been filed or discharged by an individual whether it is a chapter 7 bankruptcy or a chapter 13 bankruptcy. This credit scenario can still secure auto financing.

First Time Buyer
This individual usually has no revolving or installment credit history. Buyer typically has no credit bureau score, however, there are lending sources available for this type of buyer.

Credit Counseling or Debt Consolidation Programs
This individual has gone to a profit or non-profit organization in an attempt to pay back creditors in full at a reduced rate and/or payment. There are lending sources available for this type of situation.

If an individual has experienced a repossession, voluntary or in-voluntary, the lender will require that the repossession have occurred at least two years prior to the application for auto financing.

Excessive or Unresolved Derogatory Credit
This situation is one that most lenders will shy away from because of the high risk of bankruptcy. There are three forms of resolution: resolving the credit issues through repayment of debt. Resolving the debt through bankruptcy or not acting on the situation at all resulting in a continuation of excessive unresolved derogatory debt. There is limited means of financing available for this type of customer. A lender willing to finance this type of customer will require a large cash down payment and a shorter loan term resulting in a higher monthly payment.

  1. Larry H. Miller Chrysler Jeep Dodge Ram Bountiful

    755 N 500 W
    West Bountiful, UT 84010-6977

    • Sales: 8884991409
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  • Monday 10:00AM - 08:00PM
  • Tuesday 10:00AM - 08:00PM
  • Wednesday 10:00AM - 08:00PM
  • Thursday 10:00AM - 08:00PM
  • Friday 10:00AM - 08:00PM
  • Saturday 10:00AM - 08:00PM
  • Sunday Closed