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

For people with bad credit, getting car loans has always been a challenge. In today's bad economy, it's even harder for people to get a second chance to build back their good name. Whether you're a student in North Carolina or an online insurance agent from San Antonio Tx, there's no guarantee that a bank will overlook your damaged credit and offer you the financing you need. But there is hope. In fact, following a few easy steps and some inexpensive resources, you may find yourself behind the wheel of a new or pre-owned car in a few weeks.

1. Buy here, pay here (BHPH) dealerships offer in house financing for many of their customers. Though BHPH dealers usually charge a high interest rate, they can help you re-establish your credit rating. Many will allow you to trade in your current car and offer a "no down payment" arrangement. The key is not to assume that you are in a position of weakness when dealing with a BHPH dealer. Though your credit may be damaged, it doesn't necessarily mean that you are a bad risk. The expression with many auto dealers is that they finance your future and not judge your past. Adopting this attitude can serve you well.

2. Though nothing is guaranteed, if you can find a used car and build in some car equity by negotiating a price lower than its market value, your chances of getting financed, whether through a traditional bank or from a BHPH dealer quickly increase.

3. Consider a title loan if you own another car. Title loans simply mean that you are using the collateral in the car that you own to secure financing on another car. This tactic will help you get a new car loan and may even get you a low interest loan.

4. Depending on how damaged your credit is, you may need to stop expecting to get a new car loan without a down payment. The intention of a down payment is to build equity in the car. The less exposure a bank has in making you a loan, the more likely they are to give you the second chance you deserve.

5. Use the power of the Internet to search for cars. If you live in Tampa FL, finding a great deal on a car in Las Vegas NV may not do you any good. Unless you use the pricing you found as leverage in your negotiations with a local dealer. Checking prices online can not only help you compare the pricing your local dealer is asking for, but may also help you gain some emotional courage. You are likely to come across financing offers during your online car search that may just be a perfect fit for you.

From New Hampshire to Champaign Illinois, good people who fell upon hard times are getting back on their financial feet by securing car loans. Damaged credit is not a life sentence, unless you let it become one.

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Get Approved For Your Next Car Loan Here