Now, more than ever, it’s important that you locate the right dealer for your bad credit car loan.

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The internet has changed the way we buy cars. It has also changed the way some unscrupulous sellers can get rid of wrecked and damaged cars…

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Here at Auto Credit Express, we had a question from a customer the other day regarding a Sign and Drive car loan with bad credit…
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Here at Auto Credit Express, we are often asked why you should use our services instead of driving around the corner to a local dealer to apply for a bad credit car loan…
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Here at Auto Credit Express, we want to help you with your bad credit car loan. In order to reestablish your credit, you need to make your payment on time. But there is more to your car than just the payment.
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These days, if someone has bad credit, there are many choices available when it comes time to buy a car.  Most dealers now have a special finance, or sub prime auto finance department to help people with bad credit buy a new or used car.  Twelve years ago, when I was first introduced to special finance, there were only a handful of national lenders in the US that catered to people with bad credit, and none in Canada.

At that time, in house, buy here pay here financing at the car lot was more popular.  These “We Finance Car Lots” would extend credit directly to consumers so they could buy a car from their lot.  There were few finance companies that serviced the bad credit market.  The lenders that did offered only short terms and high interest rates. (Read More…)

Over the past few years’ auto dealer’s profits, especially those of domestic car dealers, have been declining. It’s quite common these days for automobile dealers to sell a new car for the invoice price just to move the unit and please the factory. When auto sales are slow, dealerships look for ways to sell more cars. One of the ways to sell more cars is to get more people with bad credit approved.

With that said, many car dealers jump into the bad credit auto sales arena without the proper training and, quite frankly, many of them make a mess of it. With bad credit auto sales, the car dealer has to do more work than they may be used to; for example, it’s a good idea for dealers to verify employment and income before they finalize a bad credit auto loan. (Read More…)

We recently expanded our Canada bad credit car loan service. Now, Auto Credit Express is able to help people with bad credit all across Canada buy a car; our Canada car loan service is available in every province. (Read More…)

If you have bad credit chances are that when it comes time to buy a new car you will start first start by visiting used car dealers, either online or at the lot. I’m not sure why this is the tendency. The fact is that if you have bad credit you are more likely to get approved at a new car dealer that specializes in bad credit financing, than you are at a used car dealer.

The main reason for this is that most of the national sub prime auto lenders only partner with new car dealers or very large independent used car dealers. So if you visit a franchised car dealer more often than not you will have more lenders competing for your auto loan, and as the saying goes, when lenders compete you win. (Read More…)

People with bad credit that want to buy a car often end up at a Tote the Note car lot. Tote the note is a phrase used by We Finance Everyone car dealers. These car dealers often provide loans to people with bad credit with no credit check. Although these Tote the Note car lots may finance everyone, there is a down side to getting a no credit check auto loan from a We Finance Everyone car dealer. (Read More…)

A good car dealer is not the dealer that makes the least amount of profit on their customers, it’s the auto dealer that can provide the best deal. Good car dealers have the people, processes, inventory, lenders, and technology in place so that they can make a profit while providing a good deal to their customers.

For example, let’s say you have bad credit and are interested in a used 2006 Chevrolet Malibu for under $325.00 per month. Via the web, you find two local Chevy dealers that have some on their lots. (Read More…)