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

Home > Bad Credit Car Loan Help

Do you need a car, but have bad credit and are unable to make a down payment?

Don't give up. In this article, we'll tell you how you can get financed and approved for a car loan with no down payment - even if you have no credit or bad credit.

One of the basic things that any lender - and car dealers are no exception - look at when determining credit worthiness is the ability for the prospective customer to pay back a loan. Therefore, having a steady income-generating job is key. If you can show a dealer proof of income with your paycheck stubs, you're off to a great start.

Also, many lenders will look at your credit rating as a determining factor in approving a car loan. If you have bad credit, now's the time to start fixing that. Start by making sure that you pay your bills on time. If you have any outstanding debts, or have collection agencies after you, make sure to contact them to work out some payment arrangements. The sooner that you begin directly addressing these issues, the sooner your credit rating will improve.

One way to begin re-establishing (or if you have no credit, then establishing) credit is to get a secured credit card. These are very easy to get, since your credit limit is determined by a prepaid deposit that you make, and as long as you make timely monthly payments to the credit card company (and make sure that the credit card company reports all of your activity to all three major credit agencies), then in a matter of short months, you'll begin to get on the right credit track. If you don't have a lot of disposal income, then our suggestion to you is to limit purchases made of the secured credit card, but to at least make sure to make your minimum monthly payments on the card in a timely fashion.

In addition to helping establish a good credit rating - which will work for you in the future - the above steps will help you build a payment history, which is one of the most important things that a car dealer or financial institutions looks for when approving loans.

So, now that you've taken the necessary steps as outlined above to begin improving your credit rating and establish payment history, you can start looking for lenders and / or dealers that can get you behind a used car or a new car with a no down payment car loan.

One useful tip that we'd recommend before visiting any car dealer is to first have a copy of your recent credit report already in hand. When you visit land-based car dealers, explain that you can't make a down payment, show the car salesman, salesgirl or financing rep your credit report printout and ask them if they'll work with you. Explain that you don't want them to run your credit report unless absolutely necessary. You may want to consider calling car dealerships before you make it out to them first.

Another great place to find sub prime lenders that will work with you in getting approved for car loans without a down payment is online. Make sure to review any loan offers carefully, in order to choose the best one for you.

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