People need vehicles to get to work, get their kids to school and to just generally live their lives. If someone is in a difficult credit situation, obtaining the funds to get a new (or pre-owned) vehicle can be a laborious process. There are a lot of factors that come into play when determining what causes a difficult credit situation. But basically, it all boils down to having too many bills and not enough money. Medical expenses, divorce and job losses are all major contributors to being buried in debt, which can lead to low credit scores and bankruptcy. Before applying for any financing, contact a Colonial Toyota representative and we can help you get a plan together that can take some of the burden off of you.