Subprime Credit & Financing
Helping Chicago-Area Drivers Get Behind the Wheel — No Matter Their Credit Story
At International Kia of Orland, we understand that life happens. Maybe you’ve experienced insolvencies, repossession, or limited credit history — but that doesn’t mean you should be stuck without a reliable car. Our credit assistance team is here to help you explore every option and guide you toward financing that fits your situation and budget.
With access to over 50 trusted lenders and a variety of flexible financing programs, we’re proud to offer second-chance financing opportunities that many traditional dealerships simply can’t.
Why Choose Kia of Orland for Credit Assistance?
We’re not your typical dealership. At International Kia of Orland, our goal is to make financing transparent, simple, and stress-free — even if your credit is less than perfect.
Here’s what sets us apart:
- Over 50 lenders in our network — more opportunities for approval.
- Specialized programs including first-time buyer, insolvencies acceptance, and second-chance financing.
- Flexible down payment options tailored to your budget.
- Finance new or used Kia models — your choices aren’t limited.
- Dedicated finance specialists who walk you through every step.
We believe everyone deserves a fair opportunity to drive the car they need — and to rebuild their credit along the way.
Eligibility & Requirements
Getting started is easy. We work with a wide range of credit profiles, and our team focuses on helping you find what’s possible today — and what’s needed for approval in the future.
Basic requirements include:
- Verifiable income (proof of employment or other reliable income source)
- Valid ID
- Completed credit application
We work with insolvencies, repossessions, no credit, and low credit situations. Flexible down payment options available. On-time payments can help you rebuild credit over time.
Frequently Asked Questions
Can I get a car loan with bad credit in Chicago?
Yes! Our finance team specializes in helping customers across the Chicago area — including those with bad credit, no credit, or previous credit challenges — find financing options through our extensive lender network.
How much down payment do I need?
Down payment requirements vary depending on your situation, but we offer flexible options to help make financing possible. Our team will discuss what works best for you based on your income and chosen vehicle.
Will a subprime car loan help me rebuild my credit?
Yes. Making on-time payments can help improve your credit score over time, giving you more financial opportunities in the future.
Can I qualify if I’ve filed for insolvencies?
Yes. We have insolvencies acceptance programs designed to help customers get a second chance. As long as your income is verifiable, you may qualify for vehicle financing.
What if I’ve had a repossession?
We understand that repossessions happen. Our second-chance programs are specifically created to help drivers move forward, rebuild, and regain confidence in their credit.
What’s the cheapest car or payment I can qualify for?
Your options depend on your income, trade-in value, and credit history. Our team will review all available vehicles and programs to find the most affordable solution for your situation.
Ready to Get Started?
Contact our finance experts today to discuss your unique situation.
Apply for FinancingStart Your Application Today
Whether you’re rebuilding credit, buying your first car, or overcoming financial challenges, the team at International Kia of Orland is here to help every step of the way.
Start your online application now or visit us in person at International Kia of Orland Park to speak with a finance expert.
Let’s find your path to approval — together.
Disclaimer: All financing is subject to lender review and approval.