What is Maguire Credit and How Does Maguire Credit Work?

What is Maguire Credit?

Maguire Credit is a one-stop car dealership that helps you no matter your credit history. If you have bad credit, no credit, or bankruptcy, no problem. Maguire Credit can help!

Our Maguire Credit finance team understands that anyone can have financial difficulties in their life that can affect your credit score. We are interested in giving you a second chance to help rebuild and re-establish your credit.

How Maguire Credit Works!

Maguire Credit's in-house pre-owned leasing helps ensure we will find a way for you to get into a vehicle that fits your needs, even if you have bad credit or no credit. Instead of worrying about third party lenders like banks, credit unions or other companies, Maguire Credit's in house financing team uses current data rather than your credit score. We also offer adjustable down payments and flexible monthly payments to help fit any budget.

What should you bring to your appointment?

The process is simple we just as that you bring the items listed below to your appointment.
  • Recent Bank Statement
  • Proof of income in the form of your two most recent pay stubs
  • Social security card
  • Mail confirming your address
  • Copy of your lease or mortgage agreement
  • 6 personal references
  • Copy of driver's license
  •  Full insurance coverage on the vehicle once you lease it from us

We will work with you to find out how long you've worked at your employment, how long you have lived at your current residence, what bills you pay each month and your debt-to-income ratio. We will also pull your credit report to help verify this information.

Maguire credit is here to help you with your pre-owned lease and re-establish good credit. We will remind you when you have an upcoming payment and follow up with you if your payment is late. Maguire tries to help you and works with you in every way possible to help rebuild your credit.

What are the numbers?

Most vehicle leases through Maguire Credit are for 3 years and allow for 12,000miles per year. If you go beyond the total allotted mileage at the end of the lease, there is a $0.30/mile excess mileage penalty. As for taxes, tags and title fees, they are all included in the cost of your lease.

We also offer low-cost maintenance plans that include oil changes, multi-point inspections, New York State inspections and tire rotations to keep your vehicle running and looking great.

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