Bad credit & low scores
A low score isn’t a wall. What you earn now counts for more than what happened three years ago.
Getting approved
Your Approval, Walked
Through By One Person
One application, one person following it through, and a straight answer about where you stand — usually the same business day.
You’re not a credit score to him
People He Puts In Cars Every Week
Getting turned down somewhere else doesn’t mean much here. These are the situations David works with constantly.
No credit at all
First car, first job, new to the country — everyone starts somewhere, and the payments build your file.
Past repossession
A repo on your record is a common story. It doesn’t end the conversation.
Bankruptcy — open or discharged
Chapter 7 or 13, discharged or still in plan. Bring your paperwork and he’ll work with it.
Self-employed & cash income
1099, gig work, stylists, contractors, drivers. Bank statements work as proof of income.
Fixed & benefit income
SSI, SSDI, disability, pension and VA income all count. Bring the award letter.
How the money works
A Real Number, From David
There is no rate sheet to publish, because the number that matters is the one on your deal — and that depends on the car, your income and what you can put down.
Bring him those three things and he will structure it in front of you: the down payment, the monthly payment and the term, all together, before you sign anything. If the numbers don’t work on the car you wanted, he’ll say so and find one that does.
Terms are set on approval, based on your application, your income and the vehicle. Nothing on this page is an offer of credit or a commitment to lend.
Before he comes out
What You’ll Need
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Driver’s licenceCurrent and valid
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Proof of incomeTwo recent pay stubs, 60 days of bank statements, or a benefit award letter
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Proof of residenceUtility bill, lease or mortgage statement in your name
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Down paymentCash, debit or card — bring what you can put down
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ReferencesFour to six people not living with you, with working phone numbers
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InsuranceFull coverage is required before you drive off — he can point you to agents who bind same-day
The application
Apply Online, Secure & Fast
Your application goes through Bob Rohrman Auto Group’s lender panel — the same banks and finance companies behind every franchise store in the group. It is encrypted, and it lands with David, not with a dozen lead resellers.
What Happens When You Apply
- You fill out the secure formAbout five minutes. You can do it from your phone.
- David reviews it personallyNot an algorithm, not a call centre. Usually the same business day.
- You get a real numberAn actual down payment and monthly payment, against actual cars he can reach.
- He brings it to youPaperwork ready to sign at your kitchen table. You keep the keys.
Opens the secure application in a new tab. Submitting an application authorises a credit report to be obtained. Financing is subject to approval and verification of income, residence and references; not all applicants will qualify.
Rather Talk To A Person First?
Leave your number and David will call you. No application, no credit pull — just a conversation about what you can realistically get into.
Got it. David will call you shortly at the number you provided.
Financing questions
Ask Us Anything
Does applying hurt my credit score?
The callback form on this page is an enquiry — it doesn’t pull your credit. The full application does involve a credit report, with your written permission, and you are told before that happens.
What’s the interest rate?
It varies by deal — your credit, the term, the down payment and the vehicle all move it, and different lenders on Rohrman’s panel come back with different numbers. Every figure is disclosed in writing on your contract before you sign. Ask David to walk through it line by line and he will.
How do I make payments?
Directly to whichever of Bob Rohrman’s lenders approves the deal, on a schedule set when you sign. Most people set up automatic payment from an account or card.
Is there a prepayment penalty?
Almost never on the loans David places. Pay it off early and you save on interest — and he would rather you came back for the next car.
Do I need a co-signer?
Usually not. If your income is thin or brand new, a co-signer can get you a better vehicle or a smaller down payment — but most people sign alone.
What if I’m going to be late on a payment?
Call before the due date, every time. There is almost always something that can be worked out if you communicate. Silence is what causes problems.
Talk To David Directly
Sometimes it’s faster to just call. He answers his own phone.