In addition to reestablishing your auto credit applying for car loans with bad credit can end up saving you more money in other automotive-related expenses. Here is just one way that it can help.

Reestablish your car credit

If you're reading this, there's a good chance that you have bad credit and you need a car. The good news is that you've come to the right place. Through our bad credit auto loan web site at we have helped thousands of applicants just like you reestablish their auto credit. You can begin the process simply by filling out our online car loans with bad credit loan application.

What we offer can help you because unlike tote the note dealers, our second chance car loans originate with lenders that report this payment history to the credit bureaus which, along with timely payments on your other bills, can improve your credit history and raise your credit scores.

But if you've never done this before, you need to be careful. A car that's too expensive can stretch your budget and result in repossession. If this happens, the only remaining choice for most auto loans for bad credit buyers is a Tote the Note, We Finance Everyone car dealer. It also means that rebuilding your car credit has to be put on hold for at least a year, since lenders who originate bad credit car loans will only consider applicants with a repossession that's more than a year old.

But there are also indirect advantages to taking out a bad credit car loan. As you begin the process of rebuilding your car credit, there are other things that will improve as your FICO scores increase.

Vehicle insurance and your credit score

While there are many things that are obviously tied to your credit score – credit card rates and even the ability to get a credit card are the first things that come to mind, there are other areas of the vehicle ownership experience that are also affected by your credit scores. One aspect of car ownership that can be affected by a poor credit score is the cost of automobile insurance.

Many car insurance companies will run a credit bureau on you when you apply for insurance. If you have a low credit score, they may charge you more for your car insurance. The reasoning behind this is that customers with lower credit scores are more likely to miss a monthly insurance payment. Since a missed payment involves either collection proceedings or discontinuing the policy – both situations that require additional expenses on the part of the insurer – customers with lower credit scores are charged more to offset these expenses.

As your credit score improves, the insurance company will, on a regular basis, reevaluate your policy and, provided nothing else changes – such as adding a teenage driver or receiving a ticket for speeding – actually reduce the cost of your car insurance premium.

How we can help lower your car insurance premiums

At Auto Credit Express we have helped thousands of people with bad, blemished, bruised and tarnished credit buy cars and reestablish their credit at the same time. Our national network of affiliate dealers specializes in bad credit car loans. Since our inception, we have processed over 1 million online bad credit auto loans and our dealers have closed over $2 billion in auto loans.

So if you are serious about getting your credit back on track, why not begin a new chapter in your life by filling out our bad credit car loan application now.