Auto Credit Express Blog

Author Profile: Steve Cypher


Articles Posted by Steve


Buying an Extended Warranty for a Bad Credit Car Buying an Extended Warranty for a Bad Credit Car

And even though today's vehicles are more reliable, they're also more complex. Black box-type engine management and vehicle safety systems make your car safer and more fuel efficient, but if something goes wrong they can be very expensive to replace. In addition, most of us find that it's easier to budget an additional $25 to $35 a month than pay $300 or more - without any advanced notice - to replace an electronic part in order to get a vehicle running. The fact is, if a car can't be repaired immediately, most people with bad credit are forced to either finance a second car with a buy and pay here dealer or take public transportation.

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Choosing the Best Lender for Poor Credit Car Loans Choosing the Best Lender for Poor Credit Car Loans

But if your credit score falls below 640 or if you have a limited credit history and no co-signer, the issues of finding a lender and getting an approval are more difficult. There are over 30 national or regional lenders that offer a poor credit car loans and their lending requirements can vary widely. The biggest issue for poor credit buyers, however, is that practically all these financial institutions only loan indirectly. In order to request a credit decision, you'll have to submit an application through a franchised new car dealer that has signed up with them.

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Cheapest New Cars for a July Poor Credit Car Loan Cheapest New Cars for a July Poor Credit Car Loan

Poor credit car loans should be used to finance a compact or midsize car to save on interest, car insurance and gas expenses. Financing for the shortest term possible means you'll be in a position to re-finance or purchase a different vehicle at a lower interest rate sooner. Because of this, most credit-challenged consumers will pick an affordable used car. But there is another option - an inexpensive new car.

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