Author Archive: Steve Cypher
Vehicle Restrictions with Bad Credit

You can’t finance just any car if you have credit problems because most subprime lenders have vehicle restrictions on the kinds of cars you can finance.

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Understanding Adverse Action FICO Reason Codes

If you get turned down for credit or don’t qualify for the best interest rate offered, you’ll want to understand what those two-digit FICO reason codes stand for in the letter you receive.

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Buying a Car with No Driver’s License

Do you need a driver’s license to buy a car? The short answer is that in most cases you don’t, but unless you pay cash you won’t be able to get it on the road.

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Why Bad Credit Car Buyers Shouldn’t Consider a Private Seller

If you have poor credit and need a vehicle, you might be considering buying one from a private seller. But not only is this difficult, it might not even be a good idea.

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Why Age and Mileage Matter with a Bad Credit Car Loan

If you have credit issues and need a vehicle, its age and mileage, among other things, is important to lenders. This means you probably won’t be able to finance an older model with very high miles.

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How Military Discounts Help Bad Credit Buyers

May is National Military Appreciation Month and military personnel on active duty, even those with credit issues, can sometimes take advantage of special military discounts, offered by many car manufacturers, which can make a new car more affordable.

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Consumer Reports Top Picks for Bad Credit Buyers

We slice and dice Consumer Reports Top Picks for 2017 to come up with two affordable vehicles for credit-challenged buyers.

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