Trying to find a car dealership when you are struggling with bad credit can be challenging, and in order to get back on the road, you might need some help.
A buyer from San Antonio, Texas recently reached out to us with this question:
"I am interested in a bad credit auto loan. Do I have to use a certain dealership or just find one on my own?"
You do not need to find the dealer on your own. When you work with Auto Credit Express, we have a nationwide network of car dealers that employ experts in subprime financing. After you apply with us, you will be contacted within 48 hours to arrange a meeting time with a dealer. We use your information to pinpoint which car dealer will be best suited to help you.
The Importance of the Right Car Dealership
Finding a dealer on your own is a time-consuming process, and can be risky if you are trying to locate one who will work around your bad credit. Because of this, you may be tempted to go with the first one that is simply able to approve you. But that can be dangerous.
- Not all dealers are qualified in subprime or no credit check loans.
The hunt for a dealer will take time because not all car dealerships have financing departments staffed with experts in subprime lending. This can lead to a bad credit car buyer traveling from dealer to dealer with no success in getting approved for a car. And, if the search takes more than a month or so, you could be causing further harm to your credit by having multiple lenders pulling your credit report.
- Are they reputable?
While there are plenty of car lots out there that do offer alternative financing and cheaper used vehicles, they are not all the same. Some of these car lots are independently owned, and that means that you may not get the quality vehicle you need. Sure, the cars might cost less, but they may not offer Certified Pre-Owned (CPO) vehicles and the cars in their inventories could be too old to last for the life of the loan. Also, not all dealers use outside banks or lenders, which means they may not report your on-time payments to the credit bureaus, so your car purchase won't help you repair or build your credit history.
Getting connected to a qualified and reputable lender is the best way for you to find a great vehicle and get your credit back on track.
Let Us Help You
The team at Auto Credit Express is ready to find the dealer nearest your local area that can help you. Just complete our simple and fast online application today. We will get you the qualified dealer that can get you back on the road. Start today.