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Do you have bad credit and you think your only hope in getting
into a new or used car is by getting approved for a car loan?
Despite your damaged credit history, do you need a second chance?
In this article, we'll give you advice on how to go about procuring
a bad credit car loan relatively easily and painlessly, regardless
of your credit history or status. Then, once we walk you through
some of the basic initial steps you can take to practically guarantee
loan approval, we'll tell you where you can apply for those bad
credit car loans that can ultimately change your lifestyle - and
your credit - for the better. And the really great news is even
if you have bad credit, you'll be able to find a number of online
subprime lenders that will be willing to approve you for a car
loan without the need of a down payment.
If you reside in South
Carolina, have particularly bad credit and really need to
get yourself into a cheap, used car or even a new car, this article
is for you.
Below are some basic tips and steps that you will better your
odds of getting approved fast for a car loan, even with damaged
credit:
If you have bad
credit, one of the first things you should begin focusing
on is in repairing your credit rating, and getting back on solid
ground. If you have bills (and who doesn't?), make sure to make
payments on time, even if those payments are only minimum monthly
amounts. If you want to get approved for a car loan, you want
to show at least three months of regular payment history on your
credit report, with no derogatory items during that time. After
six months of making regular payments, you'll notice that your
credit score will begin to move in a positive direction rather
steadily. When it comes to rebuilding your credit, making monthly
minimums in a timely fashion is a good habit to get into.
Now that you are on the road to repairing your credit, one of
the preliminary things you should figure out is what you can afford
in terms of monthly car payments. Once you have a number in mind
that you're comfortable with, you have two options. You can begin
visiting car dealerships (make sure to speak directly with the
financing / refinancing departments), and give them an honest
snapshot of your financial situation, and what you can afford
to pay on a monthly basis. They'll then run through your car buying
/ leasing options. Incidentally, ask them not to run your credit,
since too many credit inquiries can quickly add up on your credit
report, and not only scare potential lenders off, but they can
also negatively impact your credit score.
The other direction you can take is to apply
for a bad credit car loan online. In South Carolina, you'll
be able to find a number of quality subprime lenders online that
will approve you for a car loan as long as you meet some basic
requirements (over 18 years of age, have a steady job, etc). The
process is relatively easy, and consists of filling out an online
application which is then usually sent across a network of other
subprime lenders that are likely to approve you based on your
financial circumstances. Then it's up to you to select the online
lender that's offering the best deal in terms of car loan rates
and terms.
One of the advantages of getting a car loan approved online is
that you'll be able to then take that loan agreement to most car
dealerships and get into your ideal car with little to no haggling.
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