Drive Forward Program
Low Credit Auto Financing in Clarksville, TN
A Considered Path to Ownership
Jenkins and Wynne Lincoln has served the Clarksville community since 1946, longer than any other dealership in the city. Over nearly eight decades, we have built relationships that go well beyond any single transaction. The Drive Forward Program is an extension of that commitment.
We created this program specifically for buyers who have been told no elsewhere -- those with no credit history, new credit, or a financial chapter they are working to move past. Our dedicated in-house Business Manager works exclusively in this space, bringing the same level of discretion and personal attention that defines the Jenkins and Wynne experience.
This is not a compromise. The Drive Forward Program offers access to quality pre-owned vehicles, thoughtfully selected for buyers in this program, and financing structured around your actual situation, not an idealized credit profile.
Who This Program Serves
Credit histories are rarely simple. This program was designed for the full range of situations that conventional financing routinely overlooks.
No Credit History
First-time buyers and those with no established credit file.
New to Credit
Recently opened accounts or a thin file with limited history.
Challenged Credit
Past collections, late payments, repossession, or a low score.
Previous Bankruptcy
Discharged bankruptcy or a financial situation now stabilized.
Military Families
Service members and veterans at Fort Campbell building credit stateside.
Simple. Private. Straightforward.
Three steps to getting you into the right vehicle, handled with the personal attention this process deserves.
Submit Your Application
Complete our secure online application at your own pace. No obligation, and no hard credit inquiry simply to begin.
Speak with a Specialist
Our dedicated Drive Forward Business Manager reviews your application personally and works with a network of lenders suited to your situation.
Move Forward
Choose from our Drive Forward inventory, selected for quality and financing accessibility. We structure terms around your budget.
Vehicles Selected for This Program
Every vehicle in the Drive Forward inventory is chosen with care for its reliability, condition, and accessibility within this financing program.
One Specialist, Focused on You
The Drive Forward Program is staffed by a dedicated in-house Business Manager whose work centers entirely on non-prime and challenged credit financing. This is not a department that processes difficult files as an exception. It is a specialist who approaches each situation with the kind of focused, individual attention that has defined this dealership for nearly eighty years.
We work with a carefully selected network of lending partners who understand the full picture of a person's financial life, not only a credit score. If you have consistent income and are ready to move forward, we are ready to explore what is possible alongside you.
Begin Your ApplicationRooted in This Community Since 1946
Jenkins and Wynne Lincoln has served Clarksville and the surrounding region longer than any other dealership in the city. That tenure reflects something more than longevity. It reflects a consistent commitment to the people who live, work, and serve here.
Clarksville is home to Fort Campbell, one of the largest military installations in the United States. Many of the service members, veterans, and families who call this community home are navigating credit situations unique to military life: establishing credit stateside for the first time, managing finances across deployments, or rebuilding after a PCS transition. The Drive Forward Program was designed with these circumstances in mind, and Lincoln's Military Appreciation pricing is available for those who qualify.
We serve buyers throughout Clarksville, Fort Campbell, Hopkinsville, Oak Grove, Springfield, and the broader Middle Tennessee and Southern Kentucky region. Our online application is available at any hour, from anywhere.
What You May Be Wondering
We believe transparency is essential to a comfortable process. These are the questions we hear most often.
Will starting an application affect my credit score?
Beginning the application process does not automatically trigger a hard inquiry. Our Business Manager will explain each step in full before any formal credit pull takes place.
What if I have a prior bankruptcy or repossession?
Neither disqualifies you automatically. Our specialist works with lenders who evaluate your current financial picture, including income stability and present circumstances, rather than relying solely on historical data. Every situation is considered individually.
What vehicles are available through this program?
We maintain a carefully curated selection of pre-owned vehicles chosen for their condition, reliability, and compatibility with Drive Forward financing. Your Business Manager can help identify the right match within your approved parameters.
Will a down payment be required?
Requirements vary by lender and vehicle. In many non-prime financing situations, a down payment strengthens the application and can improve both approval likelihood and monthly terms. Your specialist will be direct about what each option involves.
Can this purchase help me build a stronger credit history?
For most buyers, yes. Consistent, on-time payments on a reported auto loan are among the most reliable ways to establish or rebuild credit over time. We are glad to discuss how this step fits into a broader financial picture.
Is this the same as the Bargain Corral?
No. Both programs are part of the Jenkins and Wynne Preowned Super Center, but they are distinct. The Bargain Corral offers as-is vehicles at lower price points with no warranty. The Drive Forward Program is a separate department focused on financing access, with inventory chosen specifically for program eligibility. Some vehicles may qualify for both, but the programs operate independently.
Jenkins and Wynne Lincoln
2655 Trenton Rd, Clarksville, TN 37040
What Our Guests Say
Nearly eighty years of trust, reflected in the words of our community.
Your Next Chapter Begins Here
A credit history is not the whole story. Begin your secure application today, or browse our Drive Forward inventory, and allow our team to show you what is possible.
Financing subject to credit approval. Not all applicants will qualify. Terms, rates, and vehicle availability subject to change without notice. Drive Forward Program inventory is pre-owned and subject to prior sale. Lincoln Military Appreciation pricing subject to eligibility verification. Jenkins and Wynne Lincoln, 2655 Trenton Rd, Clarksville, TN 37040.