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Auto
Loan Finders has car loans available nationwide for people with all credit
problems including BAD credit, NO credit, SLOW
credit, LITTLE credit, FIRST TIME BUYER, REPOSSESSION
and AFTER BANKRUPTCY so you are able to purchase a new or
used car!
It
is a free service and there is no obligation. We also provide
additional information to help you get approved for an auto loan through a
bank or a car dealership as well as what you can do if you get turned
down!
If
you want to buy a car with bad credit, you may find that it is hard to
do. Unfortunately, its difficult to live without a car these days
but not all of us have the credit it takes to get financing. There are
companies that will approve a “bad credit” loan, no credit, first time
buyer, even repossession or after a bankruptcy to those who need a car and
who want a good way to rebuild their credit. If you meet the requirements
needed, you should be able to qualify for auto financing. Many
people can spend hours at a car dealership getting approved for a car loan
but then find out that they needed a large down payment because either
their credit was bad or had no credit or a first time buyer.
However,
there are a ways you can get money for a down payment on a used or new
car, truck, mini-van, or SUV. Unfortunately,
if you have bad credit, no credit, or you are a first time buyer; a down
payment is usually required to purchase a car.
Short-term loans such as a payday
loan
are available with no credit check which
means you can get approved with bad credit or no credit, no problem!
However, car dealerships that sell used and new cars can sell you a
car with no money down if you have a car to trade in or they can work with
you on the down payment because they want to sell you a car.
It
can be frustrating trying to find car financing either through a car
dealership, finance company, or a bank when you have bad credit without
feeling like someone will take advantage of you or feel like you can’t
go anywhere else. This is the
reason why so many car buyers apply on the internet first so they can
avoid the embarrassment or waste time being told they cant get approved.
If
you are trying to find a car dealership that guarantees credit approval
for used car financing with no credit check and no down payment needed
because you are a first time buyer, previous bankruptcy, no credit, or bad
credit, you can always go to a buy here pay here car lot however they don’t
always report to the credit bureau.
You
may feel that you will not be able to get approved for auto financing of
any kind, especially if you have bad credit, no credit, previous
repossession or have recently filed for bankruptcy. This is simply not
true.
Several
links on this site is specialized in helping people get approved for a car
loan regardless of their credit history.
First time buyers, previous bankruptcies, repossessions, slow
credit, no credit, little credit, and bad credit will not matter here.
Even if you don’t get approved for an auto loan, you may get
contacted by a franchise dealership that specialize in helping car
buyers with credit problems, bad credit, first time buyers, slow credit,
no credit, bankruptcy, or repossessions.
Finding the perfect car is not that easy either because having bad
credit limits the car buyer to only finance certain cars.
Of course, without getting pre-approved for a car loan, there is no
car. Some banks will work
with car dealerships to get you approved.
It is important that you keep an open mind.
There is no reason why you can’t be driving away in a new or used
car. You just need to be
prepared when walking into the car dealership.
There
are many things that a car dealership or a bank may need from you in order
for you to qualify for a “bad credit” auto loan. However, these are
things that usually are not required of people with good credit. Companies
need to be sure that you will be able to make payments on time especially
when you have had past credit problems. They want to know that you have a
steady job and that you live in the same state of the dealer that you are
buying the car from. There
are a few things that you will need most likely if you want to get
approved for a bad credit auto loan to purchase a used or new car which
are:
Click
Here for
the full explanation on this list. Bad
credit, no credit, bankruptcy, repossession or first time buyer do not
limit your options as much as many people assume it does. Making monthly
payments on time will help you reestablish your credit and help you get
more credit. Many
companies specialize in bad credit auto loans and would love to help you
to get into a car. Although
it may seem that no one will lend you money, people are eager to sell cars
and will therefore find a way to approve your bad credit auto loan. The
bottom line is the dealers want to sell cars. This makes them willing to
do just about anything to get you into a car and make them a sale.
Here
are some things you should know when applying for a bad credit auto loan
which are:
First
of all, bad credit auto loans cannot be done for private party sales. This
means that you will have to buy your car from a dealer. The car dealership
is the one who helps get you into the car by having the relationships they
have with the banks that approval people with bad credit or no credit. A
private party cannot do this. Most online auto loan companies will take
your application, send it to a lender and if it doesn’t get approved
then it gets sent over to a dealer in your area who is willing to work
with people who need a bad credit auto loan.
Many
people wonder whether or not they need a down payment. With a bad credit
auto loan you generally need some sort of down payment however this can be
a low down payment or maybe if you only have a car to trade in. Remember,
the car dealership wants to sell the car and the amount of the down
payment is always negotiable. Even
though the finance company usually will give the amount that is required
for a down payment but a car dealership can sometimes get an exception
from the finance company or even have you make payments on your down
payment. Another option is getting a payday
loan.
They are easy to get since there is no credit check and you only
need to make a minimum of $1000.00 per month!
The
next question that is generally asked is about interest rates.
Unfortunately, the worse your credit is, the higher your interest rate
will be which could be as high as 25%.
You are a high risk to them. You
will have to prove that you are a good risk in order to get a lower
interest rate and get approved for a higher loan amount.
The finance company will look at your credit, gross monthly income,
how long you have been at your job and your residence, if you own or rent
your home and make your payments on time and will give you an interest
rate based on those items. A bigger down payment can help to lower your
interest rates.
Any
used car dealership work with several lenders that they work closely with
which gives them the ability to get your car loan approved with a lower
interest rate and possibly more money. You could be a first time buyer,
slow credit, no credit, bad credit, previous bankruptcies and even
repossessions and some how they were able to get you a loan.
By applying directly with the bank, you do not have the car
dealership to negotiate the car loan for you.
Car dealerships give finance companies and banks a lot of business
every day, which includes bad credit, no credit, good credit, after
bankruptcy, and even first time buyer auto loans.
They want all the business car dealerships are willing to give them
so they are willing to make exceptions to keep dealerships happy so they
will continue sending business their way.
Another
way to improve your chances of being approved for a bad credit auto loan
is to have a co-signer. However, the co-signer will be liable for the
payment of the loan should you not be able to make the payment (you can
always ask for a deferment or an interest only payment in that case) but
his or her good credit will help you to get approved for the car loan.
The
most important thing to remember is that dealers want to sell cars. They
are willing to work with you to find a way to get you into a car. Which is
why many auto loan companies have now established a network of auto
dealers nationwide to help consumers purchase their new or used car
regardless of their credit. They
want to make your car buying experience easier by establishing a network
of auto dealers.
Whether
you have good credit or have had credit problems in the past, finding an
auto loan shouldn’t have to be this big ordeal.
The
first step is completing the application online to receive an immediate
response which is easy, efficient, and free no matter what your credit
looks like however make sure it is completed correctly.
You would be surprised at how many car buyers go online to fill out
the auto loan application wrong by calculating their gross monthly income
correctly, keystroke errors, didn’t add their husband or wife on the
application, or perhaps something did in fact show up on the credit report
that shouldn’t be their at all!! You
should be notified immediately whether you are approved or
not.
If you get approved, that’s great.
Once you are approved, you will probably get a couple dealerships
to visit that will give you a great deal.
There
is no obligation to use any of these loans if you do get approved. The
bank will contact you to go over the terms with you and make sure it is
what you are looking for.
Generally, they
will send a package to you over night with a draft check, which you are
able to go to any franchise dealer to purchase your next vehicle.
This alone will definitely save you hours of haggling when you can
walk into the car dealership and tell them that you are a Cash Buyer!
However,
what happens if you don't get approved for a car loan?
Are you going to stop there? Many
car buyers’ wonder why they get turned down or they get approved with a
high interest rate and limited dollar amount. Unfortunately, no
matter where you apply you will not be able to escape the car dealerships
calling you to see if you need help finding a loan and the car of your
dreams. However, these same car
dealerships also have a really good special finance department that cater
to car buyers with bad credit, no credit, slow credit,
bankruptcy, repossessions, or even a first time buyers.
Did
you know that out of all the franchise car dealerships
in the United States, only 15% of them have a finance department that help
people with bad credit and only 7% actively participate in helping bad
credit customers? So if you
have a car dealership contacting you, don’t be so quick to hang up that
phone. Find out what they can
do for you because you will probably end up going to them anyway to
purchase your next car. They usually have a variety of used cars to choose
from.
First
time buyer auto loans, auto loans after bankruptcy, bad credit auto loans,
no credit needed for guaranteed approval at a car dealership to buy a used
or new car, no problem!
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MY AUTO LOAN NOW
We
offer bad credit car, auto, and truck financing through leading
financial institutions and car dealers throughout all 50 states: Alabama -
AL, Alaska - AK, Arizona - AZ, Arkansas - AR, California - CA, Colorado -
CO, Connecticut - CT, Delaware - DE, Florida - FL, Georgia - GA, Hawaii -
HI, Idaho - ID, Illinois - IL, Indiana - IN, Iowa - IA, Kansas - KS,
Kentucky - KY, Louisiana - LA, Maine - ME, Maryland - MD, Massachusetts -
MA, Michigan - MI, Minnesota - MN, Mississippi - MS, Missouri - MO,
Montana - MT, Nebraska - NE, Nevada - NV, New Hampshire - NH, New Jersey -
NJ, New Mexico - NM, New York - NY, North Carolina - NC, North Dakota -
ND, Ohio - OH, Oklahoma - OK, Oregon - OR, Pennsylvania - PA, Rhode Island
- RI, South Carolina - SC, South Dakota - SD, Tennessee - TN, Texas - TX,
Utah - UT, Vermont - VT, Virginia - VA, Washington - WA, West Virginia -
WV, Wisconsin - WI, Wyoming - WY and Washington D.C.
We also offer
bad credit car, auto, and truck financing through leading financial
institutions in most major US cities: Abilene,
Albany, Albuquerque, Alexandria, Allentown, Amarillo, Anaheim, Anchorage,
Ann Arbor, Arlington, Arvada, Aspen, Atlanta, Atlantic City, Aurora,
Austin, Bakersfield, Baltimore, Baton Rouge, Beaumont, Bellevue, Berkeley,
Billings, Birmingham, Boca Raton, Boise City, Boise, Boston, Boulder,
Branson, Bridgeport, Brownsville, Buffalo, Burlington, Cambridge, Cape
Cod, Carmel, Carrollton, Casper, Catskills, Cedar Rapids, Central Coast,
Chandler, Charleston, Charlotte, Chattanooga, Chesapeake, Cheyenne,
Chicago, Chula Vista, Cincinnati, Clearwater, Cleveland, Colorado Springs,
Columbia George, Columbia, Columbus, Concord, Coral Gables, Coral Springs,
Corona, Corpus Christi, Costa Mesa, Dallas, Dayton, Denver, Des Moines,
Detroit, Door County, Downey, Duluth, Durham, El Monte, El Paso,
Elizabeth, Erie, Escondido, Eugene, Evansville, Fargo, Fayetteville, Fire
Island, Flagstaff, Flint, Fontana, Fort Collins, Fort Lauderdale, Fort
Wayne, Fort Worth, Fremont, Fresno, Fullerton, Galveston, Garden Grove,
Garland, Gary, Glendale, Grand Canyon, Grand Prairie, Grand Rapids, Green
Bay, Greensboro, Hampton, Hamptons, Hartford, Hayward, Henderson, Hialeah,
Hilton Head, Hollywood, Honolulu, Houston, Huntington Beach, Huntington,
Huntsville, Independence, Indianapolis, Inglewood, Irvine, Irving,
Jackson, Jacksonville, Jersey City, Kansas City, Kauai, Key West,
Knoxville, La Jolla, Lafayette, Lake Tahoe, Lakewood, Lanai, Lancaster,
Lansing, Laredo, Las Vegas, Lexington-Fayette, Lincoln, Little Rock,
Livonia, Long Beach, Los Angeles, Louisville, Lowell, Lubbock, Macon,
Madison, Manchester, Martha's Vineyard, Maui, McAllen, Memphis, Mesa,
Mesquite, Miami, Midland, Milwaukee, Minneapolis, Mobile, Modesto,
Monterey, Napa, Montgomery, Moreno Valley, Naperville, Nashville,
Nashville-Davidson, New Haven, New Orleans, New York, Newark, Newport
News, Newport, Niagara Falls, Norfolk, Norfolk, North Las Vegas, Norwalk,
Oakland, Oceanside, Oklahoma City, Omaha, Ontario, Orange County, Orange,
Orlando, Overland Park, Oxnard, Palm Springs, Palmdale, Park City,
Pasadena, Paterson, Pembroke Pines, Peoria, Peoria, Philadelphia, Phoenix,
Pittsburgh, Plano, Pomona, Portland, Portsmouth, Providence, Provo,
Pueblo, Raleigh, Raleigh-Durham, Rancho Cucamonga, Reno, Richmond,
Riverside, Rochester, Rockford, Sacramento, Saint Louis, Saint Paul, Saint
Petersburg, Salem, Salinas, Salt Lake City, San Antonio, San Bernardino,
San Diego, San Francisco, San Jose, San Juan Islands, Sandy, Santa Ana,
Santa Barbara, Santa Clara, Santa Clarita, Santa Cruz, Santa Fe, Santa
Rosa, Savannah, Scottsdale, Seattle, Sedona, Shreveport, Silicon Valley,
Simi Valley, Sioux Falls, South Bend, South Padre Island, Spokane,
Springfield, St. Cloud, St. Louis, St. Paul, Stamford, Sterling Heights,
Stockton, Sunnyvale, Superior, Syracuse, Tacoma, Tallahassee, Tampa Bay,
Tampa, Tempe, Thousand Oaks, Toledo, Topeka, Torrance, Tucson, Tulsa, Twin
Cities, Vallejo, Vancouver, Ventura, Virginia Beach, Waco, Warren,
Washington D.C., Washington, Waterbury, West Covina, West Valley City,
Westminster, Whitewater,
Wichita Falls, Wichita, Wilmington, Winston-Salem, Wisconsin Dells,
Worcester, Yonkers
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All Credit Accepted