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Author Archives: Steve Cypher

Can You Use an ITIN Number for a Bad Credit Car Loan?

Although it may look similar, an ITIN is not a Social Security Number. Since anyone with an ITIN is not eligible for an SSN, these consumers are also not eligible to take out a loan here in the U.S. Continue reading

Posted in Auto Loans |

The Wrong Used Car with Bad Credit

It is very difficult getting approved for a car loan on a 10-year-old vehicle with more than 100,000 miles, especially if the buyer has bad credit. Although an older car with higher miles might seem affordable, subprime lenders perceive these vehicles as high risks for breaking down (a real issue especially for a high-performance car like a WRX STI). Continue reading

Posted in Used Cars |

How to Pay Less for Car Insurance

Even drivers with credit issues should ask their car insurance provider about low mileage, marriage, occupational, good student, and defensive driver discounts. Although they must be self-reported (by the driver), taking advantage of even a few of them could save the policyholder a substantial amount of money – but only if they inform the insurance company. Continue reading

Posted in Car Insurance |

Retaining Your Car’s Value with Poor Credit

All five vehicles we’ve chosen represent a good value and have a starting MSRP of around $19,000 or less, something that’s of particular importance to borrowers with credit issues. Continue reading

Posted in New Cars |

A Good Time to Buy a Car if Your Credit Isn’t Great

The latest report from Equifax is positive news for car buyers with bad credit. But at the same time, these buyers need to be familiar with their credit situation, come into a loan with at least ten percent down and keep the loan term as short as possible to ensure success. Continue reading

Posted in Bad Credit |

Quality New Cars for Problem Credit Buyers

Not all borrowers with credit issues will be given the option of financing a new car, but if they are and it’s through one of the franchises listed above, chances are they won’t go wrong choosing any one of these high-quality, affordable, cars. Continue reading

Posted in New Cars |

Used Car Bargains with Poor Credit

According to the latest market report from Edmunds.com, used subcompact, compact and midsize cars, many of which are ideal vehicles for credit-challenged borrowers, should be even more affordable this year. With this in mind, consumers who know their credit scores and reports and have a decent down payment might want to seriously consider pulling the trigger on a “nearly new” car. Continue reading

Posted in Used Cars |
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