Yes. Grand Blanc Mitsubishi works with over 20 specialized lenders that focus specifically on non-prime and subprime auto financing. Your credit score is one factor — not the only one. Our finance team evaluates income, stability, and down payment alongside credit history to find the right lender for your situation. Not all buyers will qualify for all programs.

Yes. We have specialized lending partners experienced with both Chapter 7 and Chapter 13 bankruptcy, whether discharged or currently in active repayment. Bring in your discharge paperwork or trustee contact information and our finance team will take it from there. Contact us at (888) 484-4791 to discuss your specific situation before you come in.

There is no hard minimum. Our lending network covers a wide range of credit profiles, including buyers who have been declined at other dealerships. The best step is to submit our online pre-approval form and let our team assess which lenders and programs fit your profile. The pre-approval process does not commit you to a purchase and has no impact on the terms available to you.

For most buyers, no. BHPH lots typically offer limited inventory, as-is used vehicles with no manufacturer warranty, and fewer lending options. At Grand Blanc Mitsubishi, you have access to 20+ lenders competing for your loan, new Mitsubishi vehicles with a 10-year/100,000-mile powertrain warranty, and financing that reports to the credit bureaus — helping you rebuild your score over time.

Yes, and this is one of the key reasons buyers from Flint, Saginaw, Burton, and surrounding areas choose us over used-only alternatives. A new Mitsubishi comes with a 10-year/100,000-mile powertrain warranty standard, removing the repair-bill risk that often derails recovery for buyers with tight budgets. Our finance team works to structure a loan that is manageable for your income and situation. Not all buyers will qualify for all vehicles or terms.

Rates vary by credit profile, lender, vehicle, and current programs. As a Mitsubishi dealer, we have access to promotional APR rates as low as 0% on qualifying new Mitsubishi vehicles for qualified buyers during sales events. Buyers with challenged credit typically receive rates higher than promotional tiers, but our 20+ lender network creates real competition for your loan rather than a single take-it-or-leave-it offer. Contact us or submit a pre-approval to see what is available for your profile.

Not necessarily. $0 down financing options are available on qualifying vehicles for qualified buyers. Some lenders and credit profiles may require a down payment; in those cases, a trade-in — in any condition — can often satisfy that requirement. We accept any vehicle as a trade regardless of mileage, condition, or payoff amount. Trade value subject to inspection and market conditions.

Yes. Self-employed, independent contractor, and W-9 buyers have specific income documentation needs that not all lenders understand. Our finance team works with lenders experienced in non-traditional income verification — bank statements, 1099 forms, profit-and-loss statements, and other documentation — to properly present your financial picture. This is a common situation for many buyers in the Flint and Saginaw areas, and we handle it regularly.