Auto Credit Express Blog

The Automotive and Financial Information Source for People with Special Credit Needs.

We can help you get easy auto financing or a cheap car loan in minutes!

Why your Credit Scores are Different

Ever wonder why your credit scores from each of the credit bureaus are different?

Even consumers with bad credit that need terrible credit auto loans ask us this question here at Auto Credit Express where we’ve spent nearly twenty years in bad credit auto sales.

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Correcting Credit Report Errors for Poor Credit Car Loans

Even if you have bad credit you can increase your chances for approved auto loans of an approval by removing information errors from your credit reports before applying.

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Resale Value Winners for Poor Credit Car Loans

We’ve chosen both the winners and top finishers from the Kelley Blue Book list in the two most affordable new car categories for those people with bad credit and approved auto loans: subcompact and compact cars.

So here are those vehicles along with comments by Kelley Blue Book:

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Choosing the Best Lender for Poor Credit Car Loans

But if your credit score falls below 640 or if you have a limited credit history and no co-signer, the issues of finding a lender and getting an approval are more difficult.

There are over 30 national or regional lenders that offer a poor credit car loans and their lending requirements can vary widely.

The biggest issue for poor credit buyers, however, is that practically all these financial institutions only loan indirectly. In order to request a credit decision, you’ll have to submit an application through a franchised new car dealer that has signed up with them.

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Disability Insurance for Poor Credit Car Loans

Once you’ve received approved auto loans at a dealer you’ll need to decide whether or not you need or want credit disability insurance.

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The Number of Poor Credit Car Loans is Increasing

According to their October 6th Credit Trends report, “Lenders continued to increase their appetite for risk in Q2 2011, with new vehicle loans for customers with credit outside of prime increasing by 22.4 percent compared with the previous year. In Q2 2011, 22.29 percent of all new vehicle loans went to customers in the nonprime, subprime and deep-subprime categories, increasing from 18.21 percent in Q2 2010.”

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Credit Repair during Poor Credit Car Loans

Once you’ve started financing a bad credit car there are additional steps you should often take to improve your credit scores and clean up your credit reports.

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