Bad Credit Car Loans in Boston

Bad credit or no credit? No problem! Start driving today!

People with bad credit often assume the worst when it comes to auto loans. New Englanders seem to lose hope simply because their credit is a slightly dinged up, leaving them to think that their only option left is buying beaters that have been left to rust on a used car lot in Everett. Yet, nothing could be further from the truth!

Lenders are more understanding of poor credit now than they ever have been in the past, and there are more local car dealers across northeastern Massachusetts offering programs for subprime buyers.

How Did Bad Credit Lending in Boston Change?

Here at Auto Credit Express, we have been helping families of all income levels and credit scores get auto loans for over 20 years. Recently, we noticed that South Shore and North Shore auto dealers have both come to realize what we have always known - families with credit issues shouldn't just automatically be disqualified as potential buyers. Rather, dealers and lenders should take the time to understand their situations before making approval decisions.

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What Is a Bad Credit Auto Loan?

Bad credit auto loans in the Boston area are loans for individuals with credit scores below what banks and other traditional lenders consider prime credit. Buyers who benefit from bad credit auto loans generally have FICO scores that are at or below the 620 range. Such credit ratings are also known as subprime.

How Can Vehicle Financing Improve My Score?

Just like missing payments can hurt your score, making your payments can help improve it. The only problem is, once you've damaged your credit, it can be difficult to find a dealership in south or west Boston who will give you a second chance.

What Are Some Typical Car Loan Requirements?

The typical requirements are pretty straightforward. Massachusetts lenders want to be sure that you are both legal and local, and that your gross monthly income is high enough that you can afford the loan. They may also look at your debt to income ratio to make sure you aren't getting in over your head.

Looks Great, But Where Do I Start?

Starting is the easiest step in the whole process, short of actually driving home with your car. Just start by clicking on the banner below, fill out the short loan request, and then we'll get to work finding your best opportunities for an auto loan in the Boston area.

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as of 04/20/2024