Challenged Financing Center

Couple Going Over Documents

Find Bad Credit Auto Loan Solutions in Central IL.


Almost everyone in Central Illinois needs a car, but not everyone has great credit. At Sam Leman Toyota Bloomington, we challenge the idea that drivers with bad credit (or no credit) should be denied a loan. Difficult financial situations arise, but that shouldn’t put a safe and affordable car 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 Bloomington’s Challenged Credit Program can help you secure financing on a dependable new Toyota or a pre-owned car, truck, or SUV. You don’t need to find a special bad credit car dealer; you can go to the name you already know and trust: Sam Leman.

We Work with All Credit Backgrounds in Normal, Morton, and Springfield

Buying a car with bad credit shouldn’t be difficult, and it shouldn’t force you to find a bad credit car dealer who might take advantage of your situation. We work with you to create a payment plan tailored to your budget. 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, IL.

Buying a Car with Bad Credit

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 — we do all the work!

Contact our Finance Team for Additional Program Details at 309-271-1095!

Have questions about our Challenged Financing Center? Don’t hesitate to contact our team. We’ve worked with drivers of all credit backgrounds will work with you one-on-one to find a solution that works for you. You can even submit your finance application ahead of time.

Get Started Toward Your Next Car: Value Your Trade

Just fill in our form below to get an estimate of your trade-in value. From there, we can work on your budget and financing options.

  • Vehicle Information

  • Personal Information

  • By submitting this form you agree to be contacted by a Sam Leman Toyota Bloomington staff member.