How To Get A Car Loan With Bad Credit

Find Used Car Loan Solutions No Matter Your Credit Score

Credit plays a huge role in any vehicle search, but we find that too often bad credit scores keep car shoppers from buying the vehicle they need and that they can make payments on. At Empire Pre-Owned Superstore, we work with car shoppers to tailor bad credit car loan solutions to their budgets and needs. Our finance experts make it easy to find different used car financing options in Swansea, MA even with bad or no credit. Continue reading for more details about bad credit car financing and how our used car dealer helps with it.

Trust Our Financing Experts with Your Used Car Loans

Our auto finance center has worked with car shoppers that have been turned down by other dealerships, and we know how to navigate bad credit used car loans. We can talk about how higher down payments improve your odds for securing bad credit car loans or help to connect you with different lenders so that you know what options are available to you. Bad credit auto financing doesn’t have to be a hassle, so lean on us for less stress on your shoulders.

Enjoy More Options Within Your Budget at Our Used Car Dealer

Another reason to shop at Empire Pre-Owned Superstore is that our inventory covers a wider range of vehicle prices than other dealerships. If you need a vehicle for your commute or other plans, buying a more affordable model can help to keep monthly payments low while building your credit back up. Be sure to check out our used car bargains near Warwick, RI to see the many affordable used cars, trucks, and SUVs that we have in store.

Frequently Asked Questions About Bad Credit Auto Loans

What Is Considered Bad Credit for an Auto Loan?

Car buyers should typically target a credit score above 650 when applying for an auto loan. Anything below 650 is often considered bad credit for car loans and other large purchases.

Are There Special Financing Offers for Bad Credit Buyers?

Bad credit car buyers do have financing offers that are unique to them, which our dealership can help to highlight. These include direct financing and other forms of income verification, which is perfect for those with poor credit scores that just found a new job.

Do I Need a Co-Signer for Car Loans If I Have Bad Credit?

Not necessarily. Our team can work with you to find car loan options no matter your credit score, but having a co-signer will help to lower the interest rates on your car loan.

How Can I Improve My Credit Score for Better Auto Finance Rates?

Depending on your credit history, there are some ways to improve your credit score before applying for auto financing, like paying off credit card debt. There are some credit items, like bankruptcies or foreclosures, that will likely impact your credit score for a long time, but we can work with you even with those items in your credit history.

Can I Refinance a Used Car?

Yes! You can always refinance auto loans in Swansea no matter whether you need to lower your monthly payment or believe that you qualify for lower interest rates after building your credit up.

Contact Our Used Car Financing Experts Today

Your credit history shouldn’t stop your future plans, so contact our used car dealer’s financing center about prequalification or to ask any other questions you have about bad credit car loans.