Here at Auto Credit Express, we get calls every day from customers that have gotten themselves into trouble by entering into a sales contract that they can't repay.

Know your credit score

Know, ahead of time, what is on your credit report and what your FICO score is. If your credit score is above 620, chances are you can get a car loan with a conventional lender. If it is below 620, you will probably have to deal with a subprime lender.

Know how much car you can afford

Set aside a budget for your car. Include gas as well as insurance (full coverage). At, you will find a number of loan calculators that will help you estimate your car payment as well as give you an idea of your car budget.

Choose your car dealer carefully

Before going to a buy here pay here car lot, remember that they don't report to the credit bureaus and getting a car there won't help repair your credit. At Auto Credit Express, we have helped thousands of customers, with good credit and bad credit, buy a new or low mileage used vehicle that is not only reliable, but will help them reestablish good credit.

The Bottom Line

In order to avoid a bad car loan, know your credit score and your budget. Visit us at for payment and loan information. While you're there, fill out the application and we'll send it to a dealer near you – one of 500 nationwide that specializes in a full range of automotive finance choices. Remember, here at Auto Credit Express, we want you “on the road” to good credit!