blogs top3 recommendations Bad Credit Financing Done Right

Bad Credit Financing Done Right

First off, it is not impossible. Banks and dealerships have plans in place for people with bad credit. When you obtain your loan you will immediately begin building credit every time you make a payment. What you do after getting the loan is just as important. Remember these steps:

1. Do Not Over Commit

You should know exactly what you can spend long before you reach the lot. Adhering to this budget will help ensure you do not end up worsening your situation. Use our online car payment calculator to prepare yourself for your visit to the dealership.

2. Keep Your Commitment

You got the loan and picked the car, now make the payments. Build your credit so you don't have to worry in the future.

3. Lower Other Debt

Chip away at it, every bit counts. An extra payment here and there will quickly reduce your debt and improve your credit score.

Understanding financing will make this whole process much easier. Here are some basics to get you going in the right direction.


This is the amount of time you are financing for. We advise to keep this under 60 months, any longer and interest piles up.


These vary from lender to lender and are based on the individual applying. Shopping around is hard but can be the difference of thousands of dollars. Luckily when you apply with us, we do the shopping around and get you approved!

Down Payment

You should try to put 20% down. That is likely a considerable amount of money. If you cannot afford 20% of the total cost, perhaps consider a less expensive vehicle.

We have been in the industry since 1989. We have the knowledge to get you approved regardless of your credit situation. Here is a closer look:

Step 1 Use our car payment calculator to find your range.

Step 2 Click on "Apply Now". The application is quick and easy, you will be shopping for a lender in minutes.

Step 3 Walk on the car lot with the knowledge and confidence you need to make the proper purchase!

Auto financing with bad credit can be scary, and we understand this. We are here for you, getting you the financing you need is our job. The tools we offer are exactly what it takes to set yourself up for success in your next car loan and future credit score! Apply now!