Get An Auto Loan, Regardless of Your Credit

Have bad credit and need to find a car loan? You’ve come to the right place. At Keystone Credit, we pride ourselves in finding the right loan to help get you into the vehicle you want.

LEARN MORE

Want to start on the phone? Please call (717) 264-5104

Why Do Individuals Turn To Us?

Because We Can Get You On The Road

We Understand the frustration of finding a bad credit car loan. We do more than get you on the road, we help make your life better. We work to repair your damaged credit by providing loan opportunities that lead to auto loan approval. Regardless of your past bad credit history, or even bankruptcy – we are here for you.

Bad Credit History?

We assist people in need of a second chance by providing financing opportunities for individuals with low credit scores. We offer fast approval for subprime auto financing, even with zero or $500 down. We work with credit companies across the South Central Pennsylvania area.

Whether your credit history is good, fair, bad, or none, we may be able to help you get auto financing. Come in, and see how we can help.

Bankruptcy?

Even if you are still in the middle of a bankruptcy or repossession, we may be able to find a lender that will approve you for auto financing. If your bankruptcy has already been discharged, obtaining an auto loan is one of the best ways to start rebuilding your credit and raise your credit score. There are options out there for you – let our team help you get back on the road in a car you want with a loan you need.

Lease or Buy?

Should you lease or buy a vehicle? This is a common question when deciding on your next car. The answer isn’t the same for everyone. We will look at your specific financial situation and your vehicle preference, then figure out which of these two options better suits your needs.

Google Reviews

Keystone Ford
4.4
Based on 768 reviews
powered by Google
Austin Lawrence
Austin Lawrence
05:07 20 Feb 24
I recently purchased a Bronco from Keystone Ford and it was a smooth experience, from handling my trade-in to signing... paperwork. Austin was my sales person and took the time to answer all of my questions/show me a couple of other Broncos on the lot.My first Ford experience was a great one, would highly recommend Keystone Ford! If you want to buy from a family owned, local, down to earth dealership, this is the place.read more
Peter
Peter
20:48 05 Feb 24
Absolutely Horrible after sales experience with ZERO support for their screw ups. They screwed up my extended warranty... contract. When I took my vehicle to my local Ford dealership for warrantable repairs they showed me where the mileage was put into the system wrong at time of sale. I then contacted Hagerstown Ford and was told they could not pull my information up immediately. Given them the benefit of a doubt I gave them my information and asked for them to look it up and call me back. 1 Week, no call backs. I called again and got ahold of Michael Branson and shared my information with him. He was very off putting immediately and blamed other people and said he would see what he could do, (I'm sorry its such a big deal to fix your own screw ups ) He asked me to email over the information I had and I said I would and asked him for a response to my email when he received it. He said that he would. He has yet to respond over 5 days later and has not returned any of my voicemails. It's very clear to me now that once they get your money in Finance, they are done with you! Since they can not be bothered to fix their screw ups, My next call is to Ford Co. I wish I could take back all of the positive things I said about this company. GO SOMEWHERE ELSE!!!read more
T P
T P
21:40 17 Jan 24
Chase and Brad did a great job getting my paperwork, title and tags together in a timely manner.Keystone Ford agreed... on a price that fir my budget on a used pickup truckThxread more
Arlene Knighten
Arlene Knighten
14:54 10 Jan 24
My husband and I want to thank Quick Lane, Keystone Ford they are so professional and personable. If you got a problem... with your vehicle they will find it and fix it. Great people 🇺🇸read more
Hippie Dave
Hippie Dave
15:53 07 Jan 24
Previously left review has vanished, wonder why?I took my 2010 focus to keystone for a new timing chain and kit. The... girl at the service counter told me she had her best mechanic for that job slated to turn the wrenches on my car.The service manager allowed me to purchase new water pump, serpentine belt and idler pulley and, they would install it.When I got my car back there was oil all over my motor. I provided new oil and filter but, their best mechanic over-filled my oil by 1/2 quart, I had to return to have the excess oil removed.When I finally got home I discovered their best mechanic failed to install my serpentine belt cover, exposing my motor to road debris. When I called and asked why the cover was not put back, the mechanic said the cover was damaged. I also found radiator hose clamps digging into a heater hose,,,,,only a matter of time before I would have had a water leak overheating and destroying my aluminum motor. The hose clamp for the air intake was not even tightened!I returned the car and asked the service dept to clean the oil off my motor and install my cover which was still sitting on the mechanics bench.I also discovered the service dept test drive my car and either hit a parking block or curb rashed my newly painted front bumper. The service manager gave me a paint pen for the scratches but, the damage was done.It has now been a few months since my timing chain job and I now have a power steering leak where the power steering reservoir line attaches. This resivour was removed to access the timing chain cover.Keystone will never see my car again, the power steering leak is on me to fix as I will not go through this place ever again!I called the parts department to order new bolts for my torque strut as I am currently replacing all my motor mounts, I am an aircraft mechanic and know how to do auto repair but,,,,The parts counter employee didn't even know what a torque strut was! I had to get my parts from the local mercury dealership.If I could give negative stars, keystone deserves it.read more
Johnna Helman
Johnna Helman
00:30 30 Dec 23
Wednesday I was second in line. I decided to drop off for oil change, inspection, new wiper blades, and recall fix. I... told the counter guy that I would need by end of day and didn’t mind the waiting customers to be helped who got there right after me. I get a call around 3:30 pm that my 2021 explorer failed. I was told one strut failed but best to replace both rear since it would need alignment twice if done a year apart. So after being told $800 I chose to do both. Parts were to be in next am for pick up Thursday. At 4:45 pm Thursday I called from work to hear from a lady who had to go find my suv. To find out they hadn’t touched it! Parts came in at 3:30 pm is what I was told. The tech to do the recall was off Wednesday too! So today, Friday I am to get my suv back! Three days later. I get a quick call now my bill is over $1,000, recall isn’t done, and alignment wasn’t needed…..still waiting seven hours later for manager to call me. Recall wasn’t done because manager said someone’s recall was more important than mine…legit what the guy told me on the phone. Wendy was very nice and seemed embarrassed! I bought the “best” warranty which hasn’t covered anything. I can’t believe the recall wasn’t fixed. I paid out of pocket the first time. Now the recall is issued and no one fixed in three days! Even more disgusted that no one has returned my call.read more
Kyle Hockenberry
Kyle Hockenberry
20:52 11 Dec 23
Dropped my vehicle off for further diagnosis of steering issues back on September 6th on the day they wanted it. As a... mechanic I gave them all the fault codes qnd everything I knew they would need to know to pin Point the issue. 3 months later with little to no contact with anyone, multiple voicemails I left with no call back, I had to call the HR department to get ahold of the service department to only find out the same thing they told me 2 months ago and they would get to it tomorrow. If I would of known it would take this long with no result I would have taken it elsewhere. As of now I still don't have my vehicle back.read more
Tyler and Kim Newcomer
Tyler and Kim Newcomer
15:03 10 Dec 23
Keystone not only had the best price in the area for our truck, their customer service was unmatched. Keystone... Kindness is a real thing. We left there feeling confident that we got a great vehicle, at a great price, and from a dealership that cares about their customers.read more
Donald Steele
Donald Steele
10:38 29 Nov 23
I had my new truck in there back on August 8, 2023 for the rear axel going out one at 16,000 miles, the ONLY 2 people... that would help us out were the general manager Clint and the service writer Kevin, these two guys happen to be men of color, it seemed like the place had an overall feeling of the “good ol boy” attitude.I am a Native American from Minnesota and I was put to the side when trying to ask others for help when Kevin or Clint weren’t available.I called there today to thank the general manager Clint for all of his help and going out of the way for us, but I was sadly told that they let him go, that this dealership is only going to employ “white” people and stay away from hiring minorities.If you’re a white person, this dealership is for you, if you’re a minority, you will be treated differently.thank you,Donald SteeleI’m also going to be contacting the Native American Tribes around chambersburg to let them know of this as well as the NAACP with regards to letting the GENERAL MANAGER go and replacing him with a “WHITE” person.It was really convenient for you to mention that you had other minorities working there, but none of these people are in a position of managers or General Manager.I had even called FORD MOTOR COMPANY TO TELL THEM ABOUT THESE TWO INDIVIDUALS WHO LITERALLY WENT OUT OF THEOR WAY FOR LE AND MY WIFE WHO ARE FROM MINNESOTA, and only these two treated us as family and put us at ease, and then you let that person go.I would NEVER GO BACK TO YOUR DEALERSHIP EVER AGAIN.But like I said, I’ll be contacting the area Native American tribes and the NAACP TO PET THEM KNOW HOW YOUR COMPANY STILL ALLOWS RACISM TO BE ACTIVE IN THAT ENVIRONMENTread more
Hope
Hope
00:02 16 Nov 23
This is our 3 car purchase from Keystone Ford. The staff there is always super friendly and helpful. We have had a... great experience every time and always get quality vehicles.read more
Michael Garcia
Michael Garcia
17:00 23 Oct 23
It was awesome having the mobile service. It would have taken me a 1/2 hour drive to the shop x2 and waiting a couple... of hours for the work to be done. This is a wonderful option.read more
Scott Erney
Scott Erney
19:12 19 Oct 23
Great buying experience at Keystone Ford! Frank Blood was a pleasure to work with. When I'm in the market for another... vehicle, this will be the first place I look! 5 stars!!!read more
J Miller
J Miller
15:05 14 Oct 23
Been dealing with Keystone Ford for many years. Always a great experience. Most recently great service from Frank.... Thank you Keystone.read more
Justine Miller
Justine Miller
15:01 14 Oct 23
Keystone Ford was great in helping me purchase a vehicle. Frank was very knowledgeable and helpful. Very pleased with... the kindness and service provided!read more
Terry
Terry
21:13 12 Sep 23
Have now had my vehicle in to them 3 times over the past few years for manufacturing defects and recalls. On two of... those occasions, they have taken several months to run the diagnostics and/or complete the repairs.My car has currently been sitting in their lot for 3 1/2 months, and they have still not even run diagnostics on it. They have made assurances that they would get to it "in the next couple days" on at least 4 occasions separated by multiple weeks. It has now been nearly 3 months since the first of those assurances, but it is still sitting untouched in their parking lot. During this time, their sales department has sent multiple e-mails asking if I would be interested in buying a new car, and I have received multiple letters in the mail reminding me about upcoming regularly-scheduled maintenance and open recalls, prompting me to get the service scheduled at Keystone.I have no idea how a business continues to operate with this level of incompetence.read more
Mark Richards
Mark Richards
19:10 06 Sep 23
I have worked with keystone ford for the last 12 years. They have been an absolute pleasure to work with.
L. D.
L. D.
20:24 29 Aug 23
I have purchased numerous vehicles from Keystone Ford and they are always great to deal with in every aspect! I will... always look for a new or used vehicle at Keystone before I look anywhere else.read more
Adam Brown
Adam Brown
04:13 29 Aug 23
I’ve purchased many vehicles over the years but my experience with my salesman Frank Blood was smooth and a very easy... one. After signing paperwork to purchase my vehicle I excitedly hopped in to drive home. It was only then I noticed a very easy to miss issue with my touch screen radio. Frank came right back out, checked it out and within at most two minutes he issued me paperwork to present to service about my problem. It wasn’t a cheap or quick fix. However, I was able to get a great loaner to drive while the issue was solved. The bill on the issue was around $1800 to fix. I PAID ZERO!! Communication was great during the time to fix and was super easy and made everything very low stress. I would never hesitate to return to purchase another I would certainly look for Frank when I do!read more
Tami Noll
Tami Noll
13:23 01 Aug 23
Do not return calls. Has had my car for months and still not done anything. Called corporate, they called with... solutions, still nothing. I am a single mom with special needs children and this is my only transportation. I will never deal with them again after this.read more
Robi Sellers
Robi Sellers
20:35 31 Jul 23
Terrible. Won't be going back. Everyone acts like youre just a pain while there. Im having problems with a 2021 Ford... transit. Tried to set up a appointment over the phone, left my info, no call back for days. So I stopped in. Was able to schedule to have it looked at 2 weeks away. Showed up and waited 2 hours. Said it needs parts, they'll call me when they're in. In the meantime they lost my key fob for my personal jeep. All I got from them was "we can't find it." No sorry or nothing. Here we are almost 4 weeks later with no call. I call in, they forgot to order the parts. Then they try to schedule me 2 weeks from now yet again. No. I asked to pick up the part myself, being a mechanic and they said no due to warranty work. I'm gonna try the other two Ford dealerships in the area.read more
Brenton Lehman
Brenton Lehman
22:10 20 Jul 23
Did not have a good experience at this dealership on an attempted repair. Took to them to get an estimate on a repair... to the ac system. Extremely hard to get ahold of the service department. Did not get back to me the day they said they would. When they did call me with an estimate they hadn't even looked at the AC system but a totally unrelated issue I hadn't even asked them to address. Took another day to get the AC estimate. Which then came in double of any other local shop. I don't like to leave poor reviews but did not have a good experience here.read more
brenda hardy
brenda hardy
19:56 20 May 23
I received and email from Keystone Ford about buying a new vehicle , so I called and spoke to Jack the salesman told... him what I had and what I wanted to keep my payment at and he was able to give me a great deal on a 2023 Bronco, I am very happy ! If you are looking about buying I suggest you go through Jack as he is up front and does an awesome job to get you what you want!!read more
Heidi Wheeler
Heidi Wheeler
00:07 13 May 23
As my wife posted on a social media site, sometimes "Thank you" isn't enough. Bottom line, THANK YOU Clayton, Clint,... Sam, and Jack with Keystone Ford!In late April one of our vehicles broke down. That same day Clayton heard what happened and contacted my wife to see what Keystone Ford could do to assist. Unheard of!This vehicle was just the latest vehicle we have purchased from Keystone Ford. Within a couple days and multiple conversations with the Keystone Ford team, we had a plan in place and a resolution that was more than we could have ever expected or asked for.What started as a lousy situation for us, ended with our deepest respect and thanks to the Keystone Ford team. We cannot express enough gratitude to Clayton, Clint, Sam, Jack and the entire Keystone Ford team. You have our complete trust and we will absolutely purchase more vehicles from Keystone Ford!read more
Daniel Crouch
Daniel Crouch
15:50 11 May 23
I will never purchase or have a vehicle serviced at this location again.I had an online appointment for my Kia for... 11:30, plus I got a confirmation. When I arrived I was told not to use the online system. Then I was given to Richard because he handles fleet cars. Richard stated he does not do online appointments and could squeeze me in several hours later.I purchased a Ford Edge here over a year ago and never had problems getting my fleet car serviced. Richard was very rude and inflexible. He should be fired. I will ensure the Fleet company is aware of this location and Keystone will never have my business again.read more
Lily Chang
Lily Chang
01:32 01 May 23
Awesome dealership. Salesman Sam is awesome. He is knowledgeable, courteous and efficient. Finance Michael is also... knowledgeable, courteous, and efficient. Fast and easy. No nonsense. Great experience.read more
Tracey Spitalsky
Tracey Spitalsky
20:35 13 Apr 23
I can't say enough good things about Jack Alexander at Keystone Ford. From the moment he was given my name to contact... me about ordering a 2023 Ford Escape, he could not have been more attentive or helpful. Any question I had, he emailed me back very quickly. He contacted me the morning the vehicle arrived to set up a delivery date. Upon picking up the Escape, he sat with me very patiently to explain all of the features. With me being a tech dummy, he deserves an award! My husband and daughter plan to order their new vehicles from Mr. Alexander. He is an incredible salesman and I am very thankful he was tasked to assist me with my purchase. And for the record, I love my Ford Escape!Much thanks to Jack Alexander and to Keystone Ford for caring enough about their customers to have someone like Mr. Alexander!!! I highly recommend everyone to make their car purchase here with Mr. Alexander.Tracey Spitalskyread more
Steve Houser
Steve Houser
22:27 24 Mar 23
The salesman Bill was very nice not pushy at all and I appreciate that. I scheduled a delivery of a vehicle for 5pm I... called first thing that morning to discuss a concern with the vehicle before my appointment that day I was told the sales manager would talk to me that evening at 5 when I got there I was OK with that. I show up at 5 and the sales manager is gone for the day so I never spoke with them before the papers were signed. I was told to call the service manager 2 days later I don't feel it's my responsibility to chase him down after I made an effort once to speak with him. A little careless about the customer if you ask me.read more
Philip Shorten
Philip Shorten
12:58 10 Mar 23
Brilliant experience at Keystone Ford. Sam and Jack were very professional, knew the stuff , took care of my wife and I... and we walked out a little while later with a Mustang that we are very with. Would highly recommend this dealership- we drove out or state to visit them and it was 100% worth it. Thank you all !!read more
Eric Brown
Eric Brown
14:36 02 Feb 23
We had an awesome experience at Keystone Ford. Jack was our salesperson and did an amazing job from his knowledge of... the vehicle to the final deal. Michael was our finance person and was just as awesome. The entire experience was great and the atmosphere and music made it even better. Thank you so much.read more
K B
K B
22:36 23 Dec 22
Thanks for taking care of us (Red Ford Edge) -Shout out to Kevin and your team of advisers for being honest and doing... what they can in keeping customer service focused.read more
Tim Hill
Tim Hill
17:23 24 Nov 22
The dealer was great from day one . They honored sticker price on a vehicle they could have made a lot more on .Frank... my sales guy was great to work with as well as the owner Mr Black who personally got involved when a few things didn’t come from the factory right when the order got switched to a 22 from a 21 .Keystone Ford did a great job all the way around !read more
M Livengood
M Livengood
01:14 11 Nov 22
Thank you keystone ford! Especially, thank you Jack Alexander for your time and dedication! I feel like you and your... team pulled together a quick sale for us. Chris showed up at 11:30 to start working with you. When I spoke with him he had nothing but great things to say about you. I felt comfortable and confident that you were going to be honest and straight forward. Chris and I were hopeful to find a lightning at a great deal, and casually looking around. Unfortunately, we were not finding much of anything. Yesterday morning I had accepted the fact that I’d get one eventually, who knew that by 8pm I’d be driving home in the truck I wanted. Again, I am thankful for the family atmosphere, the willingness to work with us, and for your patience. It took a team effort to bring it full circle, and you guys were amazing!read more
Kellie Spalding
Kellie Spalding
18:10 27 Oct 22
Keystone Ford made buying a truck simple. This has been the third purchase from them and we were pleased with all of... them. Jack Alexander was our salesman and he explained everything and is even following up if we had any questions. I would highly suggest dealing with them.read more
Rhonda Royer
Rhonda Royer
17:52 30 Sep 22
Seriously the most useless dealership I have been to. I took my 2021 Explorer ST in for an oil change, and when I... started the vehicle, there was a whistling from the seat area. They looked at it and said that it was the seat cooler, and that they didn't have "anyone heavy enough to have broken that part" in their dealership. I explained that I had been using the seat cooler and never had a problem until I took it to them. They said they would order the part. I had to call back, twice, and miraculously after the second call, they had "just received the part that day" and could schedule the repair. In the meantime, I took the truck back for a recall appointment, which I was told would take less than an hour. Three hours later, I was finally leaving. I have received multiple calls from Koons Ford (where I purchased the vehicle) about the recall needing to be done, and when I checked with Keystone, they said that the recall work was done but never submitted. I cancelled my seat cooler appointment when they said they would be charging me as it was "not their fault". At this point, I'm returning to Koons, as I don't trust a word from Keystone. Don't waste your time with this place, where the right hand doesn't know what the left hand is doing.read more
William Barnes
William Barnes
20:03 22 Aug 22
Clayton and the entire sales team at Keystone Ford went over and above to make purchasing my new Bronco very easy. From... the initial order to the delivery they kept me updated and informed so that I could be kept in the loop. I highly recommend giving them an opportunity if you're in the market for a Ford.read more
Gail Beck
Gail Beck
22:10 01 Aug 22
I virtually never give five stars because I believe there’s always room for improvement. In this case I came close. We... called Monday morning, got an appointment for Friday, took the car in Tuesday and told them to get it in as soon as they could. It was ready Thursday, we picked it up Friday. I have driven it a number of miles and all seems in order. The experience was totally satisfying. The car is a 2015 C-Max which I love.read more
Lewis Kauffman
Lewis Kauffman
15:28 01 Aug 22
My first new vehicle in many years and Keystone Ford made it a total pleasure! From the salesman to the manager,... everyone was so helpful answering my questions and making sure my new truck was exactly what I wanted. If you want a great car buying experience, Keystone Ford is the place to go!read more
Dinean Wright
Dinean Wright
20:28 24 Jun 22
The customer service here is excellent. The service writer Kevin is top notch and always goes above and beyond and he... always makes sure to take care of everything your car needs that he possibly can while it’s there, he even got my inspection taken care of while my car was in there. I couldn’t be any happier.read more
Al Zeis
Al Zeis
14:39 23 Jun 22
Great place to do business. Communication was amazing, I never stepped foot into the dealership until we had a firm... deal in place. Once I arrived to test drive and buy the car I was there less than an hour. Thank you all for your great serviceread more
Next Reviews

Get Started Today. Drive Today.

Our online loan request form is easy, quick and it’s free.

LEARN MORE
Want to start on the phone? Please call (717) 264-5104

Special Financing Loans

Poor credit scores can leave you with the painful task of filling out credit application after credit application. Let us help. We’ve done much of the research for you. We specialize in helping people who have been turned down by traditional lenders. People with reliable income get approved everyday for special finance car loans. Click Here for help.

Additional Auto Loan Information

Looking to get an auto loan in South Central Pennsylvania? Many dealerships will offer bad credit financing in the area, but they can be hard to get in touch with them without our help.

Working with Keystone Credit offers you more options when it comes to buying a new car – especially if you have a poor credit score.

South Central Pennsylvania residents with damaged credit may think that they cannot get approved for bad credit car loans. With Keystone Credit, we can find a loan that works for your budget.