How Can I Get Car Financing with a Bad Credit Score?

car finance paperwork


Here at Scott Evans Chrysler Dodge Jeep Ram, one of the questions we most often get is, ā€œhow can I get car financing with a bad credit score?ā€ We’re here to tell you that it is possible to get car financing, even if your credit score isnā€™t the best. Our finance department is well-equipped with experts who can help guide Coweta County drivers on how to finance a vehicle with a poor credit score. Learn more with Scott Evans Chrysler Dodge Jeep Ram about how to get a car with bad credit.

How to Get a Car Loan with Bad Credit

If youā€™re considering getting a car loan with bad credit, there are some things you should get together beforehand to make sure that this is the best financial decision for you:

  1. Determine how much you can afford you to pay per month based on your budget. Itā€™s important to consider other monthly debts you have such as rent, credit cards, student loans, etc., so financing a car wonā€™t negatively impact your budget.
  2. If possible, make a bigger down payment. Making a larger down payment will lower your monthly payment, and possibly get you a lower interest rate. Learn about how much of a down payment is required for a car with bad credit.
  3. Try to improve your credit score before applying for a loan. Whether this means paying off a credit card, or paying down your student loans, cleaning up your credit score will greatly improve your chances of getting a loan, especially a loan with a lower interest rate.
  4. Be realistic about the kind of car you can afford. Even though that luxury vehicle may be eye-catching, itā€™s important to get a vehicle that fits your lifestyle and your budget.

Improve Your Credit Score

One of the great things about financing a vehicle when you have bad credit is that when youā€™re able to consistently make your monthly payments on time, it will help improve your credit score. When your on-time payments are noted on your credit report, this gives you more lending power for future lower interest loans and credit cards. When you decide to finance a car with bad credit, you can apply for financing online to get pre-approved and utilize the payment calculator to get an estimate of your monthly payments.

Visit Scott Evans Chrysler Dodge Jeep Ram to Finance a Car with Bad Credit!

Browse our new vehicles and used vehicles to find the car that best suits your lifestyle in Douglas County. Want an idea of a good interest rate? We have a guide on that! We even have vehicles under $20k! If you live near Villa Rica, contact Scott Evans Chrysler Dodge Jeep Ram to schedule a test drive in the vehicle that fits within the parameters of your car loan.

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