Auto Credit Center in State College, PA

Credit Challenged? Then Visit Us at Happy Valley Car Credit

We understand here at Happy Valley Car Credit that through your own fault or not, sometimes our credit might not be where it should be. We believe here that it doesn't mean you shouldn't receive a chance at buying or leasing a brand-new car. Therefore, we are proud to be the number one credit-challenged or introductory-credit company in central Pennsylvania! State College drivers can come to our affiliated State College Motors groups for a wide selection of inventory from popular brands such as Audi, Mercedes-Benz, Nissan, Volkswagen, and Volvo.

Our expertise in getting you an auto-loan from our financial experts is what we do best. We have a variety of auto-financing options, and experienced professionals that work within your budget to make your access as easy as possible for Bellefonte, Altoona, Tyrone, and Lewistown drivers.

How To Get Easy Car Credit at Happy Valley Car Credit

Financing or leasing a vehicle can normally be a challenge if your credit isn't fantastic. Fortunately for you, that shouldn't be a hassle if you follow our easy four step process:

  • Start by making an appointment with our finance & credit center by either giving us a call or filling out our online form. This should take only between 30-45 minutes of time
  • Take a moment then to fill out our online finance application which will prompt you to put in all sorts of designated information, so we can assure accuracy
  • Visit us for a face to face consultation with Brittany Pryde, our Sales Manager
  • Bring a valid Pennsylvania driver's license, insurance card, pay stub, and a bank statement within the last 30 days, or any car, truck, or SUV that you intend to trade in!

How to Get a Loan with No Credit, Bad Credit, or Good Credit

Our experts have experience working with every type of credit imaginable. Altoona drivers with poor credit, Tryone drivers with fantastic credit, or State College motorists who are just starting out all have options here; we will work within your budget to acquire you loans for any credit.

Our auto-finance experts take the time and care to figure out the best possible avenue for acquiring you a lease regardless of your credit levels. Trust us to come up with a solution for Bellefonte and Lewiston drivers when no one else can!

Various available tools such as easy to use loan applications, as well as access to available finance center professionals are designed to make the process as simple as can be. At our assorted State College Motors dealerships, we further offer value your trade-ins, shop by payments tools, as well as specials and incentives in order to find the best pricings available.

Learn More About Car Credit Options


Happy Valley Car Credit

3220 W College Ave
Directions State College, PA 16801

  • Sales: (814)-238-2447

Whether in the mood for a new Nissan Altima, used Jeep Wrangler, or Volkswagen Jetta, we have the inventory to find your dream vehicle, and the financial experts who can make it happen. Our auto-finance professionals work with all types of credit, whether good, bad, or non-existent to put you in a vehicle. Please visit our dealership, or give us a call at (814) 206-0925 so we can service you today!

Should I Buy or Lease a Vehicle?

Happy Valley Car Credit can help you determine if buying, leasing, or applying for a loan is a good decision for you:

  • Buying: in for the long haul? Add as many accessories and have zero adherence to any sort of mileage or caretaking expectations.
  • Leasing: leasing a vehicle is a quick way to acquire a car at a low price. With low monthly payments, and the option to purchase your vehicle at the end, poor credit leasers might find this to be the better choice.