Your credit score tells one part of your story, not all of it. A job loss, a medical emergency, a divorce or a past bankruptcy can knock anyone off track, and some drivers simply haven’t had the chance to build credit yet. The Fresh Start Finance program at Serra Hyundai pairs you with lenders who look past the number and focus on what you can comfortably afford today. We proudly help shoppers from Trussville, Birmingham, Irondale, Gardendale and all of Jefferson County get back on the road with privacy, honesty and zero judgment.
Checking your options is a soft inquiry and won’t lower your score.
Showing up prepared speeds up lender decisions and can help you land a lower rate.
Installment loans carry real weight in your credit profile. Most auto finance companies report to Equifax, Experian and TransUnion each month, so a steady record of on-time payments can steadily lift your score. Once your credit recovers, you may be able to refinance into a lower APR or move into a newer Hyundai on stronger terms.
Putting more money down or trading in your current vehicle reduces the amount financed, which lowers your payment and makes lenders more comfortable approving you. Find out what your vehicle is worth with our online trade appraisal, then run the numbers with our auto loan calculator.
When you’re rebuilding, a vehicle with low operating costs and strong reliability keeps your monthly budget predictable. Commuters love the efficient Hyundai Elantra and Sonata, while growing families gravitate toward the Santa Fe and three-row Palisade. Explore our new Hyundai inventory, our pre-owned vehicles from Hyundai and other brands, and our Hyundai Certified Pre-Owned selection. Don’t miss current deals on our new vehicle specials and pre-owned specials pages.
Peace of mind comes standard. Qualifying new and pre-owned vehicles include Serra’s Free Lifetime Powertrain Warranty, and the Serra Platinum Package 3.0 adds perks like complimentary oil changes and anti-theft protection to help keep ownership costs low. You can also shop with confidence thanks to our 3-day Worry-Free Exchange. ¿Habla español? Our Spanish-speaking finance and sales staff is ready to help.
Get a clear picture of your approval options in minutes, with no hit to your credit score.
Rather sit down with a specialist? Give us a call or stop by 1503 Gadsden Hwy, Trussville, AL 35235.
Absolutely. We partner with subprime and specialty lenders who regularly approve buyers with low scores, limited history, past repossessions or bankruptcies. Final approval is up to the lender, but our team works to match you with the most affordable option available.
Not at all. Pre-qualifying with Serra Hyundai uses a soft inquiry, so you can see where you stand without any effect on your score.
Many of our lenders will finance shortly after a Chapter 7 discharge, and some approve buyers still in an active Chapter 13 plan once the trustee signs off. Bring your discharge papers or trustee authorization so we can route your application to the right lenders.
It depends on the lender and your credit profile. Some approvals require little or nothing down, but any cash or trade equity you bring reduces your loan amount, lowers your payment and strengthens your application.
They do. Social Security, SSI, disability, child support, alimony, foster care payments and pensions can all count toward your income. Just bring your award letters or recent bank statements as proof.
Yes, when payments are made on time. Most auto lenders report monthly to the three credit bureaus, and that positive history adds up. After 12 to 18 months of consistent payments, drivers may qualify to refinance or upgrade on better terms.
Financing available to qualified buyers with approved credit. Approval, APR, loan terms and down payment amounts are determined by the lender and depend on credit history, income and vehicle selection. Contact the dealership for complete details.
