BAD CREDIT CAR LOANS

Bad Credit History?

If you have bad credit, there are three things you can do.
• Pay higher interest rates forever.
• Wait seven years for negative information to drop off your credit report.
• Or make a decision today, right now, to do something about it.

We believe that credit paralysis is more damaging than bad credit, and that the higher rate for a bad credit history loan is A) a small price to pay and B) a worthy investment.

Here's the math. On the average $10,000 car loan, the difference between a regular rate and a subprime rate is about a buck a day. You can blow that on coffee.

We see bad credit as kind of like paying a tax -- the bad credit tax. Pay it once, restore your credit, and move on.

All the experts agree when it comes to buying a car -- arrange the financing first. So congratulations, you're already ahead of the crowd.

We know that bad things can happen to good people -- layoffs, divorce, medical emergencies. We provide a non-confrontational way of obtaining auto financing for people who have had credit problems in the past. Our faith in you is why we hear the same comment over and over from our customers. "I couldn't believe it was so easy!"

It is that easy: Apply online, make an appointment with one of our local loan officers, see what you think. If you don't like the loan terms or available vehicles, walk away. No obligation. No charge.

Seeing a dealer on an appointment basis, financing in hand, changes everything.

THREE THINGS TO DO BEFORE GOING SHOPPING FOR A CAR LOAN:

• learn your credit score (you can do it for free at www.annualcreditreport.com).

• visit www.myfico.com to match your credit score to your expected interest rate. MyFico doesn't list rates for scores under 500, but we have lenders that will work with those kind of scores.

• use our monthly payment calculator to set your monthly budget. You can get a lot of car for the money nowadays, but don't overstretch. For most folks, a payment around $300 a month is easy to get approved than one for $400.

Good luck!

Apply Here