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Bad Credit Used Car Loans Washington

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

Home > Bad Credit Car Loan Help

If you live in Washington, have bad credit and need a car, this article will give you some important tips on what you can do to get approved for a car loan.

Despite the economic downturn, there are plenty of online lenders, local banks, credit unions and yes, car dealerships that can approve you for a car loan, even if you have particularly bad credit. In fact, there are many lenders that specialize in helping people with damaged credit get approved for bad credit car loans.

Washington is certainly no exception.

Here are some of the things that you need to know before applying for a car loan. First, you need to be 18 years old or older to qualify for an auto loan. Secondly, you need to have a steady-paying job as evidenced by recent paystubs. If you meet these basic requirements, you should be able to get approved for a car loan.

Now, here are some of the things that can better your chances of getting approved, at more favorable car loan rates:

If you have bad credit, you can always consider having a co-signer with good credit on your car loan agreement. As long as your co-signer trusts you enough with his / her good credit rating to meet your car loan agreement, you're good. If your cosigner has a good to excellent credit rating, getting approved for a car loan will be a cinch.

Lenders can give you better terms on a car loan if you can make a down payment on the car. A down payment serves as equity in the car loan, and can lower your monthly car payments, your interest rates and / or the terms of your loan.

Also, since you have bad credit, you might as well start taking those steps to correct that situation. First, get your own current copy of your credit report, and show it to prospective lenders, asking them not to run your report (since this will impact your credit score negatively). As well, consider getting a secured credit card with a prepaid deposit that sets your credit limit. Make sure that the secured credit card company reports your credit activity to all three major credit bureaus. Then use that credit card sparingly but make sure to make all of your monthly minimum payments on it. After a few short months, your credit score will improve. And even before then, those timely payments will begin to show positive credit history on your credit report, which is what those lenders that can approve you for a car loan are looking for. When it comes to improving your credit score, start now. The sooner, the better. By taking the above advice to start repairing your bad credit now, you'll reap the rewards later.

So, worry not. If you live in Washington, are 18 years old or older and have a steady job, you'll find lenders that will work with you in approving your car loan. Use the internet to find those lenders, and remember to keep a copy of your recent credit report handy, avoiding the need for lenders to run it needlessly.

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