You can’t like what you do. You have to love what you do. – Tex Earnhardt
Bad Credit Auto Loans

Poor Credit Car Loans

Not everyone has spotless credit. Fortunately, there are lenders out there that understand this and offer credit terms to those with less than perfect credit. To the folks at Loan Approval Center, a "poor credit" car loan is just a different type of loan and no emotions are attached to the transaction. In this article, we will fill you in on your options if your credit history isn't great. Bottom line: the situation isn't so bad.

Your chance to get a new car

The first thing you will find is that many lenders specializing in poor credit loans want to sell you a new car. We know this seems odd but there is a reason for it. Frankly, from the lender's perspective, a new car has more value and therefore offers more money that can be reclaimed if the buyer defaults on the loan. The lender can also assume that the owner will keep up with payments because there shouldn't be any "surprise" major car repairs to pay for.

Check your credit scores

If you want to buy a new car soon yet have marginal credit, it's not a bad idea to start planning for the purchase. Start by pulling your credit report to see how it would look to a lender. You can get free credit reports from a number of online companies. is one of the big ones.

Just so you know

If your credit isn't sparkling, you will likely be paying a higher interest rate than those with really clean credit. But, you should know that some lenders offer lower rates than others, so check around. To find out which lenders may be willing to finance people with poor credit, simply Google "bad credit loans" or a similar phrase. You will find a few lenders and car dealers in your local area that offer this service.

Pick out your car on-line

Once you have found a dealer that offers poor-credit car loans, its not a bad idea to find a car that meets your needs in the "dealers inventory." Once you have found a car that appeals to you, the next step is to visit the dealer and check it out. When you go in, be prepared to talk about the financing. It may not be a bad idea to bring some personal documents such as a most recent pay stub, a utility bill and a driver license to establish who you are.

Drive her home

If you have brought all your documents and everything works out, you should be able to drive home in your new car in just a few hours. By the way, there is some good news. If you keep up with your payments, you will establishing a new credit history and you will eventually lose your old "poor credit" to history. It's a new you!

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