Consumer Car Buying Advice Blog

If you have a FICO score below 640 and you need a car loan, chances are you will have to get a subprime car loan. While this may seem like a challenge, it’s not as difficult to accomplish as it was a few years ago.

Auto Credit Express and Bad Credit Car Loans

Here at Auto Credit Express, one of the most frequently asked questions is “why should I apply online for a bad credit auto loan? Why not visit any car dealer and apply for on while I am there?” Well, if you’re not familiar with car loans for people with bad credit, you could damage your credit score even further.

Not all car dealers do special finance the right way

It’s true, even in this day and age, that not every car dealer has a special finance department that deals with car loans for people with bad credit. Even if you know someone with bad credit that got financed at a particular dealership in the past, that does not mean that dealership is still doing special finance. In many cases, a car dealer does special finance because they have a good special finance manager. If that person leaves, the special finance department is eliminated and the dealer simply stops processing bad credit car loans.

If you happen to stop in and the dealer runs a credit report and then informs you that they can’t finance you because they don’t do car loans for people with bad credit, you now have an inquiry on your credit report. Each new inquiry can affect your credit score – especially if they’re spaced too far apart. So now you have an inquiry and you still don’t have a new car. In addition to the inquiry, the process can also be frustrating and, in some cases, demeaning to you.

Aren’t all bad credit car loan web sites the same?

Just as all car dealers are not equal, all web sites are not created equally, either. Many of these web sites promise you Instant Approval Bad Credit Loans with No Money Down. Other sites may tell you that All Applications Are Approved. But believe me, if it sounds too good to be true, it probably is. Also remember that if a web site tells you that All Applications Are Accepted, that only means that they will take an application from you – it doesn’t mean that they will approve your application.

What AutoCreditExpress.com will promise you

At Auto Credit Express, we have helped thousands of people with bad credit get a new or low mileage used car. More importantly, we have started these people “on the road” to reestablishing a good credit history. We make no pie-in-the-sky promises with regard to guaranteeing you credit. We do work with the best special finance departments across the United States, placing you with a dealer that is knowledgeable when it comes to car loans for people with bad credit. Our loan estimator will give you a reasonable idea of what you can afford. You can also view a list of the basic requirements of a loan before you apply.

Fill out an application and give us a shot at earning your business

Why spend the time and the money driving from dealer to dealer when you can fill out a bad credit car loan application online? Simply go to www.autocreditexpress.com to begin the process. Our application is SSL secured to safeguard your privacy and we are an accredited business with the Better Business Bureau. Our address, along with a toll free number, is listed at the bottom of every page. So if you think you’re ready to begin a new chapter in your credit history, go to our website at www.autocreditexpress.com and get started.

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