I'm Unemployed Have Bad Credit and Need a Car - What do I do


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I'm currently unemployed, have bad credit and need a car. What do I do?

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Home > Bad Credit Car Loan Help

If you need a car, but have bad credit and are currently unemployed, there are some steps that you can take that can get you behind the wheel of a used car, or in some cases, even a new car.

If you need a car and have bad credit, you should consider getting a bad credit car loan your ultimate end game. There are many financial lenders, both online and offline, that specialize in helping people with damaged credit get auto loans, and that's what you're shooting for.

To qualify for a bad credit car loan, there are a few basic requirements: you must be 18 years old or older, and you have to have steady job. So the very first thing that you need to focus on to get behind the wheel is to get that steady-paying job.

Getting that steady job will not only satisfy the core requirement for getting approved for a car loan, but it can also tie in with you building up your credit rating again.

Now that you've got that steady paying job (and by the way, if you're in the military, that's considered your steady paying job), put in some time. Lenders differ on the exact number of paystubs that they'll require before approving a car loan, but many are flexible. Essentially, you'll need to show a car dealer a history of your pay stubs that demonstrates that you have a steady paying job - some need at least two, others might need more.

Now that you have proof of your steady paying job in the form of your paystubs, you can use that job to procure a car loan.

There's something else you can do to get back on track - at the same time that you get that steady paying job, you may want to consider taking this other step that will help improve your credit score. Apply for a secured credit card. Basically, a secured credit card uses a collateral deposit that you make initially and sets your credit limit to that deposit amount. If you use the credit card very sparingly - only enough to show a small degree of activity - but make faithful and timely minimum monthly payments on it, in two or three months, you'll have some positive credit items on your credit report which car dealers will look favorably on, since most lenders need to get some idea of your credit habits before they'll approve your car loan.

Now you're ready to apply for that car loan. Our advice is to get a current copy of your credit report and take that with you to car dealerships. Ideally, having your own copy will prevent many from running your credit report needlessly, an act which when done to many times will only lower your credit score even more.

By the way, an auto loan can have one of the most positive impacts on your credit score. If you honor your car loan agreement and make steady payments, after six to twelve months of making those timely payments, your credit rating and score will shoot up considerably.

Other Helpful Bad Credit / Debt Related Articles:

Avoid "Fast" Credit Repair Compaines. They only make your credit worse, not better

9 Tips On How To Repair or Reestablish Your Bad Credit

I'm currently unemployed, have bad credit and need a car. What do I do?

10 Ways to Improve your Credit Score after Bankruptcy

Steps to take to Avoid Repossession

How To Raise and Improve Your Credit Score

Interview with Dale Mayer the author of The Home Mortgage Book

3 Secrets To Getting A Bad Credit Auto Loan

Apply For Your Buy Here Pay Here Car Loan

Search BHPH Car Lots By State


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