When you are dealing with damaged credit, it is best to save time by following a buying process.

Car shopping when you have credit issues can be stressful and time consuming, but we are here to make the loan process as easy for bad credit car buyers as it is for buyers with great credit.

Recently, a prospective buyer contacted us asking about what their options were in regards to vehicle and dealer choice.

"What if I have already found the vehicle of my choice? Could I get financing to purchase a vehicle from the dealer or seller of my choosing? Are there any rules regarding where I purchase the vehicle?"

There are three questions here, but they are all best answered by simply explaining what we do here at Auto Credit Express.

To start, Auto Credit Express is not a lender. Since not all car dealers are qualified to work with borrowers with subprime credit, we have made it our mission to connect car buyers who have challenged credit with car dealers who have the lending resources best suited to help them get approved for an auto loan and back on the road.

Working with Auto Credit Express

auto credit express
Applying with us only takes a few minutes of your time, and the process is as follows:

  • Complete the secure and fast online application.
  • You are then contacted by a dealership or by one of our call center representatives within 48 hours.
  • You will arrange a time to meet with the Special Finance manager, as well as find out what you will need to bring with you.
  • The F&I manager will work with you to find you a vehicle that fits into your budget.
  • Select a vehicle from the dealer's qualifying inventory.
  • Finalize the paperwork and drive away.

Of course, the process doesn't leave a lot of room for car buyers to select their vehicle ahead of time, but when it comes to buying a car while dealing with damaged credit, you can either save time by getting connected with the right dealer right away, or hop from dealership to dealership, filling out one loan application after another in the hopes that you find "the one."

Keeping an Open Mind

Since the subprime car purchasing process is unlike the traditional car buying process, where buyers typically visit a dealer based on their vehicle choice, it is a good idea to have more than one vehicle option.

Explore more than just one make and model.
Instead of selecting one particular vehicle, you should explore the size and type of vehicle you want (compact or subcompact, sedan or SUV, for example) and see what different auto manufacturers have to offer. You can use that information to your advantage when the dealer presents you with your vehicle choices.

Consider what your primary needs are.
Aside from it being affordable, what is your primary need for the vehicle? Is it to get to and from your job, or does it need to accommodate more family-oriented needs? Determining what your priorities are will help you get a better idea of what you are looking for.

This is a step towards your dream car.
While this is likely not going to be the moment when you purchase the car you've always wanted, keep in mind that with consistent, on-time payments you will be rebuilding your credit. And with a stronger credit history, you have better chances to get approved for prime lending offers - and the vehicle of your dreams - in the future.

Better Roads Ahead

At Auto Credit Express, it is our mission to help car buyers nationwide get back on the path to good credit while having the transportation they need to achieve their goals. Our promise to you is that we will do everything possible to get you back on the road, as fast as possible. If you're ready to take that step, don't hesitate to apply today.