Even with bad credit, you have options
that could save you money.

Before you walk into a buy here, pay here dealership and sign away thousands of dollars over the next five to six years of your life, come talk to us and find out what your options are. On average, our bad credit financing experts can cut interest rates for members with lower credit scores by 30-50%. That’s money back in your pocket—money you can use to pay down debt, improve your credit score, and start building a nest egg.

We know you need a car to get to work and take care of your family. We also know that life happens, and you can’t afford to spend too much financing your car simply because you made a couple of youthful mistakes, chose to take care of an ailing parent rather than seeking a promotion, or lost your job or home in a recession.

Life happens, but we can help you focus on getting what’s important.


It’s nearly impossible to rebuild after a financial disaster if you have to overpay for life’s necessities, but most companies that offer bad credit financing ensure that you do just that. Unfortunately, standard dealerships are passionate about signing, but they are less passionate about making sure that you keep driving. Buy here, pay here dealerships are willing to offer bad credit car loans because they make commission, whether you can truly afford the loan or not.

Unlike dealerships. SC Telco has a vested interest in your complete financial picture and in your family’s continued prosperity. As a member, your growth is our growth. It does our business model no good to have members caught in an endless loop where past financial mistakes cause present financial strain. Our business model flourishes with your success, it doesn’t capitalize on past failures.

We will never push you into a bad credit car loan that you have to stretch to afford because we want to see you saving money, earning interest, and reinvesting your interest with us. We want to see you open an IRA, college savings accounts for your children, and Christmas and vacation savings accounts to plan for the life that you want. Most of all, we want to help you lift yourself out debt and disentangle yourself from the unending bad credit loop.

Car Loan Resources

For us, offering our members the lowest interest bad credit car loans available makes financial sense. For you, it’s not only a fresh start. It’s an evolution. An entirely new relationship with lending and with money.