If you have applied for a bad credit/no credit auto loan, there is a good chance that you will be placed with a specific car dealership. Why is this? Why can't you just pick your own dealership?

Not All Dealers are Special Finance Qualified

If you need to purchase a vehicle, but your credit is damaged or virtually nonexistent, not every bank or credit union will be able to work with your situation. You will need to work with a lender who is capable of looking beyond your credit score. There are plenty of these lenders out there, but not every dealer is connected to a special finance loan provider.

Attempting to locate the perfect dealer can be time-consuming and frustrating because it requires systematic trial and error. You will need to visit or call dealer after dealer until you find the one that can help. Or, you can simply apply with a company that has connections to special finance dealers. When you do this, you will be matched with the dealer in your area that is most qualified to meet your financing and buying needs.

Buying a Car with Bad Credit

While you may not be able to select your own dealership, buying a vehicle with a dealer that you're placed with offers many advantages. The whole process is faster and easier, and will get you back on the road and on with your life sooner as opposed to later.

car dealership

  • Fill out and submit just one application. You can do this online in approximately 3 minutes, and you will be able to avoid having to fill out multiple applications with several dealers.
  • Receive a phone call from a friendly service representative. At this time, you will be asked to provide some basic information, including whether or not you have a trade-in vehicle. You will also set up a meeting with the finance manager at the dealership in your area that you've been matched with.
  • Meet with your dealer. When you go to this meeting at the dealership, you will need to bring your valid driver's license, proof of residency (a utility bill addressed to you), and recent paycheck stubs to verify your regular income. Once you've been approved, a salesperson will then show you which cars are within your budget, and you will select a vehicle from among these options.
  • Choose a car and sign the papers. After picking the vehicle that will best suit your needs and budget, you will sit down with a finance manager to work out all of the details of your auto loan contract. If you agree with the terms of the contract, you will simply sign and drive away.

This process has been streamlined and perfected in order to make buying a car with bad credit as easy as possible. And there is an added bonus involved: Your credit rating will improve with every timely payment that you make. So, it is entirely possible that, by the time you make your last payment, your credit will have improved to the point that you will be able to buy your next car from any dealership you please.

Your Car is Just an Application Away

If you're ready to be approved to buy the vehicle you need, Auto Credit Express is ready to connect you with a dealer in your area that can work with your situation.

Just fill out our fast, secure and obligation-free online application to get started today.