About Us - Bad Credit Car Loans

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.

Bad Credit Auto Loans

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.

Bankruptcy Auto Loans

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.

Leasing & Financing

Google Reviews

Keystone Ford

4.4

Based on 746 reviews

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Get the Best Auto Financing in South Central Pennsylvania

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.

Keystone Credit Can Find a Vehicle for Anyone Who has Bad Credit

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

Get Approved with Keystone Credit

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.

Get An Auto Loan, Regardless of Your Credit