What is Gateway Auto Lending?

Are you being saddled with a high-interest-rate car loan? Were you given a less-desirable vehicle due to your credit score? Looking to get out of that “subprime credit” category? Gateway Auto Lending is your path to financial freedom. We understand that bad things happen to good people, and don’t think a low credit score should hold you back from getting a car you deserve. That’s why, at Gateway Auto Lending, the most important consideration is not your credit score. It’s your story! So, if you are ready to change your credit history, we are here to help.  

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Gateway Auto Lending

How It Works

Customer buying a vehicle

Step 1 Choose Your Vehicle

You can choose any car on the lot and Gateway Auto Lending leases the vehicle to you in a 12, 24, 36, 42 or 48-month lease. All vehicles come with maintenance, warranty, and gap insurance.

New Vehicles
working with someone to finance a vehicle

Step 2 Build Your Credit Profile

Each month, we will submit your payment history to Equifax, and Experian. Making timely payments and working with our in-house “Credit Coach” can help significantly improve your credit profiles.

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financing a vehicle

Step 3 Break the Cycle of High-Interest Rates

Our plans are designed to help build equity quickly, so you can escape high-interest rates and avoid old, high mileage vehicles. Our goal is to put you in a position to refinance at lower rates and terms, as soon as possible.

finalizing a deal

Step 4 Buy the Vehicle at Any Point in the Lease

At the end of the term, you can choose to turn it in, buy it at the residual value, or trade it in for another vehicle.

Low Credit? No Credit? No Problem! 

Buy here, pay here? Subprime? There are many confusing terms tossed around when you have a low credit score. Typically, a low credit score significantly limits your options – huge down payments, high interest rates/poor-quality vehicles, etc.. Not at Gateway Auto Lending! We’re different because our approach to your low credit situation is also different.  

A Better Solution for You

Other dealerships claim they can refinance you with better car loan terms in the future. In reality, they only say this to get your business – with no real plans to ever refinance your loan with more favorable terms. Our program is built on building your credit and equity and then refinancing you. We WANT your credit score to improve! We WANT to refinance you with more favorable terms. Why? Because this benefits you and sets us up to be your dealership for life. When YOU Win, WE Win!

Improve Your Credit Score… Increase Your Savings! 

Improving your credit score will not only help save you money on your car payment, but it can also save you thousands of dollars throughout your life. Gateway Auto Lending is centered on the idea of getting you into a clean, reliable, safe vehicle – while helping you boost your credit. Gateway Auto Lending can help drive your way to higher credit. Unlike many dealers who only report your missed payments, Gateway Auto Lending reports ALL your payments to Equifax, Trans Union and Experian. That’s why, on average, customers who complete their payments enjoy a 160-point credit score increase!

Why Choose Us?

Your credit score is the main focus for traditional lenders and dealerships. Typical options for consumers with low credit usually consist of high interest rates, long-term loans, unreliable vehicles with high mileage and, oftentimes, an “upside down” situation where you owe more on the car than it’s actually worth! 

The difference between Gateway Auto Lending and a traditional lender is that we’ve established 30 years of banking connections to offer you the lowest rates and terms possible for your credit situation. Our plan is designed to help you improve your credit score quickly, while building your equity in your vehicle, which will significantly lower your cost of ownership.

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2244 S Kingshighway Blvd, St Louis, MO, 63110


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Don Brown Chevrolet 38.6136, -90.2673.