Finance Center

Get Chrysler, Jeep, Dodge, or RAM Finance Assistance in Bessemer

Searching for an affordable Bessemer finance contract on your next vehicle, and want to make sure you’re getting the right help for your RAM financing? Brady Chrysler Dodge Jeep Ram is dedicated to delivering the best financing options for your Chrysler, Jeep, Dodge, or RAM. Whether you’re shopping for a new or used vehicle, deciding between leasing vs. buying, looking at RAM financing options, or looking to refinance, we’ve got you covered every step of the way. We also offer a selection of Motor Trend Certified vehicle options if you want a premium ride without the price! Our team of top-notch Jeep financing professionals is experienced in processing auto loans and leases. We can address any concerns you may have, while still providing you with the best choice in Bessemer financing options.

Why Choose Us?

When Birmingham drivers sit down to begin their Bessemer finance journey at Brady Chrysler Dodge Jeep Ram, they can expect the highest grade of attention and choices. We work with local lenders to bring our loyal customers, the Chrysler, RAM, Dodge, and Jeep finance help they need. Count on finding a loan or lease option that puts the Jeep Wrangler, Dodge Journey, Chrysler Pacifica, or RAM 1500 of your dreams in your driveway, on your terms. Contact us or visit us at 5080 Academy Ln in Bessemer, AL soon!

Dealership Info

Phone Numbers:Sales Hours:
  • Mon - Fri9:00 AM - 7:00 PM
  • Sat9:00 AM - 6:00 PM
  • SunClosed

Even if you have a great credit history and a high credit score, you should examine all your financing options. This is where Brady Chrysler Dodge Jeep Ram can help the most, we have a full range of lenders waiting to service our customers credit needs, so we can find the best financing to fit your needs.Sometimes circumstances in life happen and you make decisions that can damage your credit history. Loss of job, vehicle stops running or medical bills that leave you short for a period of time.
When it is difficult to get a loan and you are having trouble recovering from an unfortunate circumstance or series of circumstances…Brady Chrysler Dodge Jeep Ram gives you a way. Our network of lenders can help you rebuild and also have the reliable transportation you need to get to the back on the road.The Brady Chrysler Dodge Jeep Ram Promise is to always find you the right financing to meet your needs and never obligate you to more than you can afford.

If you are faced with one of the following issues, Brady Chrysler Dodge Jeep Ram can help you rebuild AND drive.


We have lenders on standby that can assist if you have completed your Chapter 13 or Chapter 7 Bankruptcy. Even though Bankruptcy may remain on your credit for up to 10 years, the best way to move past this is to re-establish with new credit… and a vehicle loan is one of your best opportunities here. We can help you re-establish once your Bankruptcy is complete and you have received your discharge letter. Or if you have a Bankruptcy in the past and would like to start re-establishing give us a call.
Unfortunately, we cannot help if your Bankruptcy is still open and has not yet been dismissed or discharged.


In the event that you have had a vehicle either voluntary or involuntarily re-possessed you can get another loan. With many of our lenders you will be eligible after one year. A handful of lenders will accept 6 months and we have even obtained approvals for shorter time periods. Be warned however, the size of your down payment will have the most impact on getting a lender to take the risk again.

Slow Payments

Our lenders know that things come up. In most cases we can help even if you have slow credit card payments, high balances, charge-offs, medical bills and other less than perfect payment history.
If you are a home owner and you had some slow payments or you are in a loan modification, in most cases we can help. The lenders understand and want to get you a loan to help keep your budget in place with an affordable payment. Some lenders may request a copy of the new arrangement and will approve you for a new or pre-owned vehicle.

The requirements for being considered for an auto approval are not difficult. You must be employed or receiving some sort of regular benefits like disability or social security, at least 18 years of age and a citizen or registered permanent resident of the United States.
So apply today! Upon Completion of your application, one of our loan officers will be in touch with you to discuss your particular situation. Generally, a two year history is required in order for our lenders to consider you for a loan.
You can be conditionally approved before you walk in the door if you can provide us with your proof of income:

  • Pay Stub no more than 30 days old
  • 3 months of bank statements
  • A signed Request for Transcript of Tax Return 4506-T form is required for all self-employed applicant(s) to verify income from previous 2 years tax returns.

It’s the day you have looked forward to – the day you drive off in your new vehicle! We will need to do a little paperwork before you leave – so please double check and make sure you bring everything we’ll need. The process will be quicker and easier.

We will need:

  • Valid Driver’s License that is current.
  • 6 Personal References with name, address, phone number and relationship.
  • Minimum 2 Family Members required.
  • Proof of Residency, if applicable, consisting of one or more of the following items in the applicant’s name:
  • Telephone or utility bill no more than 30 days old
  • If you’re a Registered Foreign Permanent Resident, make sure you have your ID
  • Proof of Income
  • Pay-stub less than 30 days old and showing year-to-date income
  • 2 years of Tax returns if you are self employed
  • Insurance Information
  • Policy Number, Company, Agent, Agents Address & Phone Number and Expiration dates
  • If you don’t have full coverage insurance, please let us know as we can help.

How much can I get pre-approved for?

The loan amount that you will get pre-approved for is based on a number of factors. They are based on income, and age of the vehicle and the overall risk assessed by the lender. All documents must be turned in before a true number can be given.

Will my trade qualify for money down?

Yes! Additional money, however, may be required if there is a lien on the automobile that you are trading.

Will inquiries affect my credit rating?

If you’re shopping around for an auto loan or more credit, you should know that when creditors check your credit, it places an inquiry on your credit report. Inquiries can add up, which is often interpreted negatively by creditors. For this reason, too many inquiries can actually make getting an auto loan more difficult.

Will Cosigners help?

A Cosigner may be considered for a Buyer who does not comply with all the credit requirements. The income of the Buyer, however, must meet all the income and budget guidelines without reliance upon the income of the cosigner.

What are the monthly payments?

Monthly payments are based on your credit profile and the vehicle you are purchasing. Newer, lower mileage cars qualify for extended terms. The best payments are on less expensive cars that have less than 50,000 miles.

What are the interest rates?

Rates are based on your credit history and the equity position of the loan. We will negotiate the best situation we can based on your credit profile. The higher your credit rating and down payment the lower your rates will be. Also, the model year of the vehicle plays an important role. Rates generally increase 1 point per model year. So, the older the car, the higher the rate.

I’ve had a vehicle re-possessed less than a year ago. Can I still pre-qualify?

If the repossession was not included in a bankruptcy and there is still a balance on the account, you can still pre-qualify. Greater money down requirements will apply and vehicle selection will be limited to newer cars that are still under factory warranty.

I’ve had a bankruptcy. Can I still get pre-approved?

As long as the bankruptcy is discharged, yes you can. We can help you re-establish once your Bankruptcy is complete and you have received your discharge letter. Or if you have a Bankruptcy in the past and would like to start re-establishing give us a call. Remember, a Bankruptcy may remain on your credit for up to 10 years, the best way to move past this is to re-establish with new credit… and a vehicle loan is one of your best opportunities here.

I’ve never had credit before. Can I get approved for an auto loan?

Brady Chrysler Dodge Jeep Ram often has several First Time Buyer Programs that are available with our lenders and manufacturers. These programs will help you not only qualify but also, occasionally, reduce the cost of the vehicle

I’ve been turned down before. How can Brady Chrysler Dodge Jeep Ram get me approved?

With the relationships we have built with our lenders for selling quality vehicles and the years of experience helping people with a problem get back on track. Our process ensures that each application has the best possibility of approval prior to submission.

Should I find a car first before applying for an auto loan?

We recommend that you consult with one of our Sales Associates first. They can determine how much you qualify for before you start shopping. This method will increase your chances of approval and decrease the number of inquiries on your credit report. Inquires usually have a negative effect on your credit rating.

For Example:

You decide to buy a new $40,000 vehicle at a dealership without being approved. The dealer may keep submitting your application until it is approved or the dealer has exhausted all their lender resources. We are not going to wish you in to a car loan but prepare a reasonable loan package so you are approved. We need to determine if you qualify for the Armada. If so, your loan package will be submitted. If you don’t qualify, we’ll guide you to the best vehicles and financing options that fit your needs, without numerous inquiries showing up on your credit report. Most dealers are trying to sell you the vehicle you want but not doing the due diligence to make sure you can afford the vehicle.

What are the minimums to qualify?

There are no minimum qualifications to pre-qualify! Each auto loan application is evaluated based on the credit profile and equity position. An applicant with previous good auto credit, for example, may not have to meet income and job time requirements; whereas an applicant with a recent repossession would.

What type of car can I get pre-approved for?

Lenders prefer newer vehicles still under warranty so you won’t have to worry about unexpected repairs.


The foregoing information is for informational purposes only and is not legal advice. Every applicant’s credit situation is unique and third party financing approval is not guaranteed. Dealer does not provide financing.

Brady Chrysler Dodge Jeep Ram is located at: 5080 Academy Lane • Bessemer, AL 35022
Brady Chrysler Dodge Jeep Ram 33.3645111, -86.9997121.