Challenged Financing Center

Couple Going Over Documents

Auto Loan Solutions for those with Poor or Bad Credit in Central IL.


If you are concerned that bad credit or no credit will prevent you from driving the vehicle of your dreams, we are here to change that belief. Here at Sam Leman Toyota, we understand that difficult financial situations arise. But that shouldn’t mean that a safe and affordable vehicle should be out of reach. If you have been searching for an auto loan and have poor credit or have yet to establish credit, we can help. Sam Leman Toyota’s Challenged Credit Program can help you secure financing on a dependable new or pre-owned car, truck, or SUV.

We finance all credit situations and will work with you to create a payment plan that is tailored to your budget. Poor credit is not a barrier when you shop at Sam Leman Toyota because we understand that there are many qualified buyers out there who have experienced some bad luck during the recession. Our priority is helping you find a quality new or used vehicle, getting you financed at an affordable rate, with a service contract that will protect your investment and pocket book.

Our loyal customers have always done right by us, so it is our time to step up and provide options for those with less than perfect credit to obtain car financing. The Challenged Credit Program was created so we can continue to provide some of the best car loan options in Bloomington, Illinois.

Getting started is as easy as 1, 2, 3, 4.

First, contact us.
Second, submit your credit application.
Third, select your new or used vehicle.
Fourth, sign and drive! It is really that easy and we do all the work.

Don’t let bad credit, poor credit or no credit prevent you from securing auto financing at an affordable rate. Visit Sam Leman Toyota today, apply for our Challenged Credit Financing Program and take home a new or pre-owned vehicle that will fit your needs. We are the Central IL dealership that will go that extra mile to get you back on your feet so come see us today!

Contact our Finance Team for additional program details at 309-271-1095!