Bad Credit Car Financing in Deltona & DeLand | Credit Amnesty | RC Hill Mitsubishi

Bad Credit Car Financing Serving Deltona — DeLand Showroom

Looking for bad credit car financing in Deltona or DeLand? RC Hill Mitsubishi offers Credit Amnesty / second-chance auto financing for buyers with challenged credit, bankruptcy, repossession, or no credit — on new Mitsubishi and used cars at our DeLand showroom, 1960 S Woodland Blvd.

Our finance team works with multiple lenders and shops your deal. Call (386) 736-3638 or get pre-approved online. Serving Deltona, DeLand, Orange City, Debary, and nearby Volusia / Central Florida.

Get Pre-Approved Call (386) 736-3638
Shop New MitsubishiShop Used Inventory

Who We Help

  • Good credit, bad credit, or no credit
  • Bankruptcy or repossession in the past
  • First-time buyers
  • Self-employed and Social Security / disability income (when lenders allow)

How It Works

  1. Apply online or in person — soft-pull style pre-approval when available.
  2. We shop multiple lenders on your behalf.
  3. Choose a new Mitsubishi or used vehicle that fits the approval.
  4. Drive home — often same day when docs are ready.

Bring ID, proof of income, and proof of residence to speed approval.

Why Finance Here vs. a BHPH-Only Lot

You're at a franchise Mitsubishi dealership with new and used inventory, factory service, and a multi-lender finance desk — not only buy-here-pay-here. Compare APR and terms; higher rates are common with challenged credit — we'll show options plainly.

Car key on top of car loan application

Credit Amnesty Program

Second-chance financing is designed for individuals who have faced credit challenges in the past but are ready to rebuild and move forward. Whether you've dealt with bankruptcy, repossession, or other financial hurdles, second-chance financing provides an opportunity to secure an auto loan and get back on the road.

At our dealership, our second-chance financing program focuses on:

  • Flexible Credit Options: Tailored solutions that work for you, regardless of past financial difficulties.
  • Building a Better Future: On-time payments can help you rebuild your credit over time.
  • Accessible Auto Loans: We work with a variety of lenders to ensure you have multiple options to fit your budget and goals.

If life has thrown you a curveball, second-chance financing can be the first step toward getting back on track.

Young couple looking at computer with documents

A Seamless Financing Process

Getting started is easy, and our finance experts are ready to guide you every step of the way. Here's how we make financing a seamless process. To start, you can apply for financing once you are ready. Our online finance application lets you begin your journey right from home and save time at the dealership.

From there, our team will start to gather together your paperwork and begin to figure out the best options for you to get financed for your car. You can then make a VIP Appointment, and when you arrive, our team will be ready to sit down with you and outline your payment options.

Flexible Auto Loans for All Credit Types

Buying a car can be a fun process. In fact, at our dealership, we've been reimagining the car-buying process with your comfort in mind. We had a simple realization: "Buying a car should be fun!" That's why every step of your journey with us—from exploring our inventory to driving off in your dream car—is designed to feel exciting.

To do that we want to help each driver that stops by get the financing that they need. If you are working on rebuilding your credit or have had some bumps in the road financially, we still will strive to find the right solutions for you.

Visit Us

RC Hill Mitsubishi DeLand
1960 S Woodland Blvd, DeLand, FL 32720
Sales: (386) 736-3638
Hours: see our Contact page

Frequently Asked Questions

Can I get a car loan in Deltona or DeLand with bad credit?

Often yes. RC Hill Mitsubishi works with lenders that consider second-chance and Credit Amnesty programs at our DeLand showroom. Call (386) 736-3638.

Do you finance bankruptcy or repossession?

We help many buyers in those situations when a lender will approve. Apply and we'll shop options.

How do I apply for financing?

Fill out our secure online finance application in a few minutes, or start in person at our DeLand showroom. Our team then shops your application to multiple lenders and calls you with options — no guaranteed rate or approval until a lender signs off.

Is financing only for Mitsubishi?

No. Financing can apply to new Mitsubishi and qualifying used vehicles on our lot.

What documents do I need to apply?

To streamline your application process, please bring:

  • Valid government-issued ID
  • Proof of income (recent pay stubs)
  • Proof of residence (utility bill or lease agreement)
  • References (personal and professional)

How can this program help rebuild my credit?

Our Credit Amnesty Program helps rebuild your credit in several ways:

  • Regular, on-time payments are reported to credit bureaus
  • Establishes a positive payment history
  • Demonstrates responsible credit management
  • Helps improve your credit mix, which can positively impact your credit score

Learn More About Our Special Financing Auto Loans

Your credit history doesn't define your future, and we're here to help you move forward. Visit our finance center today to learn how you can get financing for the car you want to travel in around Deltona, DeLand, Orange City, Debary, and Sanford, FL. Contact us today and let's make buying a car the fun and exciting experience it should be!

Get Pre-Approved Now!

*Credit requires bank approval. Negative equity may be refinanced.

© 2026 RC Hill Mitsubishi
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