If you’ve applied for an auto loan and later decide you don’t want it, then you can decline the offer. But if you already took the car home, it's a different story.

A lease to own contract is pretty different from a traditional auto loan. Here's how they typically work, and who's responsibility it is to cover the cost of repairs if you damage a lease to own car. (Hint: it's not the dealer!)

Merging two or more debt balances together is called debt consolidation. Many borrowers merge their debts together to make payments more manageable, or they try to save money on interest charges.

Preparing for your first auto loan can be stressful, but it doesn't have to be. We have some guidance for new borrowers looking to take on a car loan.

Bad credit can affect your auto loan in many different ways, fortunately, no matter the way it impacts you, there may be a workaround you can employ to get the financing you need. Here are four ways bad credit can affect your next car loan, and some workarounds that could help.

Lenders can vary greatly in their requirements, but we’ve got some basic items that many lenders are likely to ask for – and what extra items you may need if your credit score is worse for wear.

Questionable typically means that something's quality is up for debate. If a lender says your credit history is questionable, they may be wary to approve you for a car loan. However, there are lenders who can assist borrowers with credit challenges.

Getting a car loan with bad credit is possible, and there's no minimum credit score to get financing – you just need to find the lender that's right for your particular situation. Not all lenders work with credit-challenged borrowers, though. Find out how you can get a car loan with bad credit.

Subprime financing is for borrowers with credit challenges. Subprime lenders often assist borrowers who've gone through bankruptcy, have a past repossession, and no credit borrowers. Read on to learn more about bad credit auto loan options and how we could help you find the dealerships with these lenders.

Bad credit borrowers often seek out auto lenders that base loan terms on income instead of just credit scores. Income based auto loans are what they sound like – car loans largely based on your income. Here's what lenders may be able to help, and the pros and cons of each.