How Can I Get a Car Loan Without a Cosigner? - Advice & Tips


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How Can I Get a Car Loan Without a Cosigner?

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

Home > Bad Credit Car Loan Help

If your credit history doesn't necessarily shine a very favorable light on your financial past, you might think that you need to have a cosigner in order to get approved for a car loan.

Not true, for most people. If you're over 18 years of age, and you've had your current job for a while, then you qualify to apply for an online car loan. You're not necessarily restricted to applying for a used car loan either - depending on your credit; you may qualify for a new car loan also.

There are many online lenders that specialize in helping people with no credit or very bad credit. Keep in mind that having a cosigner sign off on the loan agreement may have its advantages - such as lowered interest rates - but it's not always necessary.

Used and new car lots won't necessarily advise you to get an internet car loan for one reason. They won't be able to exploit your financial and credit situation by charging you excessive interest rates and piling on hefty monthly payments.

Watching the trend of auto buying from car lots has been interesting in recent years. The first event that really started troubling car dealers was when consumers began researching what a dealer's cost was for a car. Car dealers had no choice but to start selling automobiles at invoice. What has car dealerships worried now is how easy it is for consumers to jump online and get car financing at better rates and terms than what the dealers - in the spirit of blatant fleecing - would typically give.

I don't know about you, but I don't feel particularly sorry for auto dealerships.

It's a tough economy - and more than ever, consumers need support, not more exploitation. Our advice is that you research all of the financial opportunities that are available to you online, and see how fast and easy it is to get approved for a guaranteed loan all with your singular John Hancock, without the need of a cosigner.

The criteria that online lenders will use when considering your car loan application is your credit score, your job history, the level of a down payment that you make, if applicable, the car that you want to buy and the dealer that you'd like to by the vehicle form. As long as you're over 18, and have been working at the same job for a 6 month minimum, you should be able to qualify for an online car loan without a cosigner.

One of the best things you can do to better your chances of getting approved is to save your money for a little while before applying so you can sweeten the deal with a larger down payment. The more actual equity that you offer in the deal, the more likely it is that you'll be approved for the internet car loan.

Also, remember that the price tag on the car is an important consideration for lenders as well. Most online car lenders don't require a cosigner for car loans if the car costs less than $25,000.

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