Subprime credit. New Buick or GMC.

A lower credit score doesn't automatically mean you're limited to older used cars. Some subprime buyers qualify for a new Buick or GMC, with a full factory warranty behind it. Our finance team compares new and used side by side, so you see what actually fits.

30+banks and lenders
$0down payments start at nothing down, depending on the application
NEWvehicles come with a full factory warranty
4.6★from 1,059 Google reviews

New or used with subprime credit?

Both can work. We'd rather find the payment that fits than push you toward the more expensive answer.

Why new can work.

Manufacturer financing programs sometimes reach further than buyers expect, and a full factory warranty means fewer surprise repair bills while you rebuild credit. See new Buick and new GMC inventory.

Why used can work.

A lower price often means a lower payment. Our CarBravo certified vehicles come with a 10-day/500-mile exchange, and there are options under $10,000.

How subprime financing works here.

  1. Apply once.Your application can go to more than 30 banks and lenders, some of which specialize in lower credit scores. Apply online.
  2. Bring your trade.Any condition. Get a number first with the trade-in tool.
  3. Compare new and used.We lay out both, with the actual rate and terms each lender approved, before you choose.
  4. Run the numbers yourself.Try different terms and down payments with the payment calculator.

Approval is never guaranteed, and a credit application is a hard inquiry. Down payments range from nothing down to around $500 or more, depending on the application. For repossession, bankruptcy, collections and other credit situations, read our full bad credit guide. No credit history yet? See the first-time buyer guide.

4.6 stars from 1,059 reviews.

Read them on Google.

Currie is awesome. They take care of you and answer all my questions and my service advisor Hunter was amazing.
2025 GMC Terrain owner, verified CARFAX service review, July 2026
Great service. They take care of all my needs and leave me with no worries.
2026 Buick Envista owner, verified CARFAX service review, June 2026

Questions, answered.

Can I buy a new car with subprime credit?

Sometimes, yes. Manufacturer financing programs sometimes reach further than buyers expect, and a new vehicle comes with a full factory warranty, which some lenders view favorably. Whether a new or used vehicle makes more sense depends on your application and the payment you're comfortable with.

Is a new or used car better with subprime credit?

It depends. A new vehicle carries a factory warranty, while a certified used vehicle often produces a lower payment. Our finance team compares both before recommending either.

What interest rate will I get with subprime credit?

Rates depend on your credit, the vehicle, the loan term and the lender that approves the application. Because every approval is different, we don't advertise a single subprime rate. You'll see the actual rate and terms before you sign.

How much do I need for a down payment?

It depends on the application. Down payments range from nothing down to around $500 or more, based on what the lender approves.

Does applying for financing affect my credit?

A credit application is a hard inquiry, which can affect your credit score. Ask your finance manager how your application will be submitted before you apply.

Where is Currie Motors Buick GMC?

Currie Motors Buick GMC is at 1551 W US Hwy 30 in Valparaiso, Indiana 46385. Call sales at (219) 476-3015.

See what you qualify for.

1551 W US Hwy 30, Valparaiso, IN 46385

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Currie Motors Buick GMC, Inc. 41.4599, -87.0796.