If your credit isn’t quite where you want it to be, the Nissan Second Chance Program is designed with you in mind. It’s built to support drivers who may have faced financial setbacks in the past—like a low credit score, limited credit history, or even a bankruptcy. What matters most is where you're headed, not where you’ve been. 

To qualify, you’ll typically need a steady source of income, proof of residency, and an active checking account. In some cases, a small down payment might be part of the process too. While traditional financing often leans heavily on your credit score, this program takes a more personalized approach. Your full financial picture is considered, which gives you a real chance to move forward—especially if you're working to rebuild your credit. 

We've helped drivers in all these situations, and we can help you, too. 

Get peace of mind when you choose St. Charles Nissan for a second chance on credit:

• Our goal is 100% credit approval 
• Work with a wide selection of lenders to get you your best financing terms 
• Drive a new vehicle you love with a guaranteed auto loan* 
• Low interest for drivers with existing loans 

We'll work tirelessly to get you approved fast and with the right terms for your budget. 

The real value of the Nissan Second Chance Program goes beyond financing. It offers a genuine opportunity to reset and move forward with a vehicle that supports your lifestyle. One of the advantages is flexibility. Loan terms can be adjusted to better fit your monthly budget, and in many cases, the initial down payment is lower than what you’d find with standard loans. 

Another major plus? On-time payments made through this program can help strengthen your credit over time. That means while you’re driving a dependable vehicle—like the versatile Nissan Rogue or fuel-efficient Sentra—you’re also making progress on your financial goals. And with a wide selection of quality Nissan models available, it’s easy to find something that feels right for your needs and budget. 

Getting ready to apply is simpler than you might think. Start by taking a look at your credit report so you have a clear understanding of where things stand. This also gives you a chance to catch any errors and correct them before applying. Then, spend a few moments thinking about your budget. A good guideline is to keep vehicle costs, including the loan, insurance, and maintenance, within 20% of your take-home pay. This helps you stay financially comfortable while still driving a car you love. 

Before heading to the dealership or applying online, gather a few key documents—like a government-issued ID, recent pay stubs or bank statements, proof of address, and current auto insurance info. Having everything ready ahead of time makes the process smoother and quicker. 

Once you’re prepared, you can complete a pre-approval application either online or in person. It’s a great way to get a clear sense of your loan options and helps make the rest of the buying process more efficient. When you sit down with a finance specialist, be open about your goals and financial situation. The team is there to support you and will work to find a loan structure that fits your needs.