Loan Application

  Search BHPH Car Lots By State

  Saving Money



  Automobile Loan

  Bank Accounts


  Buy Cheap BHPH Cars

  Buy Here Pay Here Buying Process

  Buy Here Pay Here Loans

  Buy Here Pay Here Online Shopping Process

  Buy Here Pay Here Warranty Process

  Buying Tips

  Car Insurance

  Children Saving Money

  Credit Cards

  Credit Score

  Direct Deposit

  Down Payment

  Friends and Investing

  Honest Car Dealers

  How to Buy Cheap Cars




  Online Insurance

  Questions to ask BHPH Car Dealers

  Questions to ask through E-Mail





Trust Fund

What to Bring to a BHPH Dealership

Starter Interupt Device

Typical Size of a BHPH Dealership

Who Should Buy from a BHPH Dealer
About Us

Site Map


10 Common Car Dealer Scams Tell a Friend

Get Approved for Your Bad Credit loan before You Walk into the Car Dealership / Apply Here

Home > Bad Credit Car Loan Help

So many scams, so little time.

If you've ever had the pleasure of being on a car dealership lot, you've probably know that buying a car can be challenging sometimes. Selling cars is a business, and both used car dealers and new car dealers alike want to make profits at their business - at all costs. There are a number of frauds that the worst car dealers out there habitually try to pull on unsuspecting consumers, so here in this article, we're going to tell you what they are - and how to avoid them.

1. All That and a Bag of Chips
Based on the ad you just read, you decide to jump on the car deal. After all, according to the photo in the ad, it's your perfect car, and it comes with every possible option. Driving recklessly, weaving in and out of traffic, you arrive - breathless - at the car dealership and jog to the salesman counter, clutching a soggy copy of their advertisement in one sweaty hand. "Oh, so sorry", says the salesman. "We just sold that car a few minutes before you got here" (he or she might point out the small print in the ad that identifies the car in the ad by its stock number. "But I've got another car that's similar, that's only $5000 more…"

Bait and switch is alive and well.

Avoiding Tip: stick with car dealers that offer prices that are competitive on ever model on lot.

2. We Accept All Credit Apps
Sure they do. It just doesn't mean that you'll be approved. Be prepared: before you go shopping for a car, check out online car loan lenders for car financing first, which is a fairly straightforward process. Once you get approved for a car loan online, take that loan to the lender who won't then be able to give you an excuse for not approving your credit application.

3. Take a Load Off
Try the car out for a night or a weekend if you leave your current car with the dealer as collateral. When you get back, your car has been mysteriously sold, since the dealer made the mistake of taking in for trade already.

4. Credit Score Isn't Good Enough
It might not be as bad as some dealers lead you to believe. Giving you the impression that its worse is a common way that some dealers get you to pay higher interest.

5. Transaction Times Three
Car buying consists of three different transactions, the car price, and the trade in value, and financing. Many dealers try to get people to look at is as one. Negotiate each one separately.

6. It's Not All About the Monthly Payment
Sure, $350 a month as a car payment sounds great, but not if you have to make a really big down payment, or your loan stretches out forever.

7. It's Not All About the Sticker Price
That's the MSRP, what you want to know is what the dealer's invoice price is as your starting negotiation point.

8. Stop Holding Back
Car dealers are usually given incentives, or holdbacks, by car manufacturers for selling particularly slow moving cars. Many car dealers fail to mention this, so come right out and ask. Make sure to also ask what the car's built-in warranty entails.

9. Financing Fell Through
Don't believe it if a dealer contacts you days or weeks after the deal's been closed to tell you that financing fell through.

10. Stretching Things Out
An auto dealer might be really gung ho about offering you a deal with terms that stretch out for 6 years. Sure, it looks good since your monthly payments are manageable, but it's not so good in the long run.

Bad Credit Articles:

Damaged Credit Doesn't Mean You Don't Deserve a Second Chance

What questions should I ask a car dealer when buying a car?

10 Easy Ways to Get Auto Financing for Your Next Used Car

No Down Payment Car Loans

Prohibited Debt Collection Practices In The United States

I have 500 down, is that down payment enough if I walk into a BHPH dealership?

10 Common Car Dealer Scams

Is $500 Down Payment for my Next Car Enough?

I'm currently unemployed, have bad credit and need a car. What do I do?

Do you live in CT and have bad credit and need a car loan? We can help you get the financing you need

How to Get a Car for $500 Down or Less

If My Car Breaks Down - What Do I Do?

I live in Memphis TN and have a 500 dollars down payment, will that be enough for a car I want to buy?

1000 Down payment - What Type of Vehicle Can I Expect?

I'm in the Military and need a car - what do I have need to do to get a car loan?

Do you live in Wyoming and have terrible credit and need a car fast? Read this article to get the financing you need for your next new or used car.

500 Down payment - What Type of Vehicle Can I Expect?

Is 1000 Down Enough to Buy My Next Car

I'm a single mom and I need to get a car loan. How do I get one fast and easily?

I'm a single parent, how do I buy a reliable car with no money down?

How to Get a Car For Less Than $1000 Down

Steps to take to Avoid Repossession

Do you have bad credit and need a car loan in Arizona with no money down? Please read this article

Get a easy no credit check car loan. We offer free advice

Live in Georgia and have bad credit? and need a car loan .....

Are Credit Reports Really "Free"? Or Is That A Scam?

Have you been through a foreclosure or have bad credit and are currently living in Nevada and need a car loan? Please read this to help you get the credit you need

Are you currently living in California, have terrible credit and need a car loan? We can help!

10 Ways to Improve your Credit Score after Bankruptcy

How do I dispute my credit report?

10 Ways on how to get car insurance with bad credit

I have a low down payment; can my LDP be enough to get me my next car loan?

Get a car loan without a cosigner. Fast and Easy

Do you need advice negotiating for low down payments for your next car? We offer you free help, please read this article

Do you live in San Antonio and have a bad credit history and need a car loan? Please read this

Rhode Island Bad Credit Automobile Car Loan

If you live in Florida and have bad credit and need a loan for your next car purchase, we ask you to read this article for your benefit

Do you live in Massachusetts and have bad credit? and need help getting your next car loan with no money down. Please read this

How To Raise and Improve Your Credit Score

9 Tips On How To Repair or Reestablish Your Bad Credit

What happens to an existing car loan if I were to buy another car


Get Approved For Your Next Car Loan Here