Bad Credit Auto Loans near Oak Brook, IL
Maybe you’re nervous about trying to buy a vehicle with a bad credit score close to Oak Brook due to worry of being denied a loan. But, there can be available options at our store, and one of these will give you a car driving on I-88. Learn how you're able to receive a deal at Lombard Toyota with our summary!
The Basics of Bad Credit
First of all, let's start by saying that FICO® is a company that calculates what a person’s credit score is based on if a person made punctual payments toward a loan, the length of time they’ve borrowed credit, and more determiners. If you have a subpar borrowing history, your score is somewhere under 670, indicating that you may have been late with monthly installments or that you’re deep in debt of some sort. So, lenders can view someone with this number as a high-risk borrower, resulting in you possibly being offered steep loan interest rates. But, despite what your circumstances are, there’s still a silver lining that you'll find a budget-friendly deal.
How Can I Improve My Credit Score?
Your credit score doesn't have to remain as is for good, but rather there is a light at the end of the tunnel to raise it higher. To improve it, you would first ensure to remind yourself each month to regularly pay off the required amount. Plus, remember to acquire a vehicle for traveling on Kingery Highway that fits within your means to help avoid any negative impact on your FICO® score. Financing a car out of your budget might leave you ending up not being able to pay the entire loan, but acquiring one that you're able to cover will enable you to fulfill the loaned amount. If you're unsure about if you can afford one of our vehicles, then our Finance Department will certainly help you develop a set budget for each month. Or, you're able to utilize our Payment Calculator as another option!
How Can I Buy a Vehicle With Bad Credit?
To buy your vehicle with the credit score you have, first fill out the Finance Application of our website. You can find this form underneath the Financing dropdown, where you'll then be able to fill out several key details. This includes the contact information and your personal details like your Social Security Number, Driver's License, and more. Lenders also want to confirm if you're able to fulfill your loan, so an application also requests for information pertaining to your income and place of employment. If you have a partner that you want to pay off your car with, then there's the option to add the details of your preferred co-applicant. We'll take all the information you've given in this form, and then we'll relay it to our lenders. You can decide on any deal that they are offering, and then start paying off your loan. The team here is happy to get started with helping you during a consultation!
Can I Raise My Bad Credit Score?
- Yes, as long as you are committed to paying your monthly installments on or before the due date, you'll have better ratings!
Dealership Information
Testimonials
“ Fernanda was great! She really helped me through my new car journey and was a delight to talk to ”
“ Josh and Geries helped me get my car and they did amazing work in help me ”
“ Bought a 2026 rav 4 with Arturo. He was very knowledgeable about the car and he let me drive it same day! He is very kind and easy to work with. ”
“ Kenny was great!! He helped me get my ocean gem Camry for my birthday. If you want a salesman who listens and works with you, go see Kenny. ”
“ Ryan insales is the best! ”
“ Very satisfied!! Josh was really helpful and was able to get us a deal! Everything was so quick and fast and got my dream vehicle. 2026 Toyota GR86 Yuzu edition!!!! ”
“ Kenny is a great salesperson. We received excellent service here and were able to find the car we were looking for. ”
“ Jerry was a great help n the progress was fast thanks Jerry ”
“ Larry was great ”
“ Fernanda & Jessica were great. Ended up getting a good deal on an emergency purchase. ”
“ Our family just bought a car from Lombard Toyota. Our sales rep was a Geries Fakhoury and we can only say the best things about this guy. He deserves a shout out. He came in for us on his day off from an hour away during very cold weather. Not only that but he was knowledgeable and helpful and made our experience purchasing the car great. Lombard Toyota should be proud of workers like him. I recommend this guy to everyone who needs to buy a car from this dealer. Thank you so much sir! Irena D ”
“ Ryan in sales was the best! Thank you!! ”
“ Larry was the best associate!!! ”
“ Kenny was amazing. Thank you for making me a new Toyota customer!! ”
“ Ryan in sells was a fantastic sales men got me in a 2026 Toyota cross. Come check home out! ”
“ Ali was a great help ”
“ The sales rep Arturo was very helpful. Made everything simple and easy ”
“ Was looking for a new truck. Geries and alek really helped me out to getting me one with 0% apr thank you to both ”
“ ALI helped me out with getting a new TACOMA! ”
“ (Translated by Google) Thanks to Arturo, this is our second vehicle; his service is excellent, very good attention. (Original) Gracias a Arturo es nuestro segundo vehículo su servicio es excelente, Muy buena atención, ”
“ Kenny was amazing!!! ”
“ Kenny was very professional and helped me pick something that financially worked for me. The process was very easy and offered a better deal than other dealerships i had gone to before. Just excellent service overall and satisfied with my new car. ”
“ Kenny was such an amazing person to work with. He answered all our questions and walked us through every detail. Absolutely love my new car and he kept it real with my finances. ”
“ (Translated by Google) Ali awoaome (Original) Ali ia awoaome ”
“ (Translated by Google) Excellent service, I highly recommend it. (Original) Excelente servicio lo recomiendo al máximo ”
“ Larry was great! Awesome experience! ”
“ Larry was great ”
“ I had an opportunity to purchased a vehicle from Kenny Jordan. Let me tell you he care about his customers. For that I very appreciate his honesty. ”
“ I always have a great experience during my recommended service appointments. I have leased my last 3 vehicles from Lombard Toyota (all through Larry Carde, Jr. ) because of the great selections, great deals and super great service! ”
“ Ali is excellent, he is extremely helpful in my car buying process. He knows a lot about the car and answered a lot of my questions. Really a great person to work with. ”
“ Larry was my sales rep he treated me with respect and help me find the best option to get out an EV vehicle with a ton of negative equity, couldn’t be more pleased 10/10 stars for Larry ”
“ Ali did a great job . Recommend him ”
“ (Translated by Google) Fernanda was very good (Original) Fernanda fue muy buena ”
“ Arturo and Alex were awesome!!! ”
“ Ryan was the best help ever! Went through the whole lot in the cold and never complained! ”
“ My Camry was acting up, so I stopped in without an appointment and asked them to look at it. They made time to get it in, drove it, and ran a multitude of diagnostic tests to identify my issue. Customer service was above and beyond. From John greeting me in the service bay, to Samantha at the desk, and Ron, my technician, everyone was friendly and professional and listened to my concerns. I couldn't be happier or ask for more. If you're in the area, definitely stop in and give these amazing folks a chance to help you with your vehicle. ”
“ Ryan was a great salesman ”
“ (Translated by Google) Excellent seller, he helped us a lot and answered all our questions. Thank you for everything, we left with a new car. (Original) Excelente vendedor nos ayudó mucho y contesto todas nuestras preguntas.. Gracias por todo salimos con nuevo Carro. ”
“ Thank you so much for Ryan. I got my first car today through Ryan's help. It's been great experience for me. Good luck and thank you. ”
“ I called Toyota in Lombard and they transferred me to Sales and this wonderful gentleman, Kenny picked up the phone and make my purchase very seamless. I had a great experience with Kenny! He was very knowledgeable, person able and we even spoke a few mins about the Bears loss vs the Rams 🙂. Thank you very much Kenny for making this a great experience! ”
“ Ali did a great job ”
“ Arturo and team Toyota has a new life long customer! Buying a brand new car was so much easier than i thought it would be. I cant recommend Arturo and Lombard toyota enough! ”
“ Larry & Igor provided us exceptional service and highly recommended Lombard Toyota. This is our 3 vehicle purchased at this location. Happy returning customers here! ”
“ Kenny was great ”
“ Totally great experience from A to Z! Definitely recommend. Kenny and Igor are great guys to work with! ”
“ I wish I could give zero stars. We have always been very loyal to Toyota, and we love our Toyota and Lexus vehicles. However, we purchased our vehicle from Lombard Toyota in May 2025, nine months ago, and we still have not received our title! We paid for it in FULL, in cash! It is now January 24, 2026. This is completely unacceptable. We've made multiple calls, and each time we get excuses and promises that "it's being processed" and "it should be here soon." Nine months is far beyond any reasonable timeframe for title processing. This isn't just an inconvenience; it is a serious problem that affects our legal ownership of our vehicle, which we paid for in full. The lack of follow-through and communication from this dealership is appalling. If you are considering buying from here, be warned: They may be happy to take your money, but don't expect them to meet the basic legal requirements of the sale. We have to write this negative review to compel them to make our title a priority (finally). We are now exploring legal options to resolve this matter, as the dealership has clearly demonstrated that they will not handle it on their own. Do yourself a favor: to avoid a gigantic headache and legal recourse, buy elsewhere. ”
“ Larry was great ”