When you have bad credit, it can be harder to buy the big ticket items you need. That’s because those purchases typically require financing, and financial institutions or lenders sometimes consider people with bad credit a big risk. Well, don’t be discouraged because all is not lost.
Good News about Bad Credit
Bad credit is not the end of the road. It just means you need to consider a different path, like the one offered by bad credit car dealerships BC. While many auto dealers only want customers with credit scores above the dreaded subprime number of 600, some dealerships are willing to help people who have hit a rough patch in the credit department. The key to getting financing when you have a subprime Beacon score is to know where to look.
How to Find a Dealership
Unlike traditional car dealerships that offer deals and specials if your credit is good enough, bad credit car dealerships want everyone to come shop for a vehicle. Since these dealerships don’t have the words bad credit in their name, you can find them by following two simple steps.
Look and listen – Instead of muting those commercial breaks or tuning them out, watch for car advertisements to see which auto dealers are okay with bad credit. The bottom line is that car dealers want to make money, and their ads are designed to get people to the lot. They want you to know where they are and what they offer, so pay attention. Also, look at signs outside of dealerships that promote no credit or bad credit deals.
Ask – No matter what dealership you go to, ask the salesperson if they work with bad credit. If they say no, just move on to another dealership. With all the auto lots around, it won’t take long to find bad credit car dealerships BC.
How to Choose a Bad Credit Car Dealerships BC
More than likely, you will find numerous car dealers willing to work with your subprime credit score. The issue will be deciding which one to give your business. Three factors stand out immediately to help you decide; price, availability and service.
Price –Having bad credit means you may have a higher interest rate than someone with a higher credit score, but it does not mean you lack options. Different dealers will certainly make different offers on the interest rate of the auto financing and the price of the vehicle. Shop around and discover who makes the best offer.
Availability – Does the dealer have the car you want? Does the car have the options and extras you want? If not, the dealer could possibly find the vehicle for you, but if you’re not willing to wait for the car to arrive, visit another dealership. Keep shopping around until you find the car you want.
Service – There is no way around good customer service. A dealer meeting customer’s need quickly and willing is more likely to make a sale and possibly build a relationship that leads to repeat business.
Getting Your Car
Bad credit is not a deterrent to getting a car. Dealers throughout British Columbia are ready and waiting to put you behind the wheel. Finding them is not hard. Just start with an online search for bad credit car dealerships BC. After shopping around a few dealerships, the only obstacles to your new car dreams will be deciding which car you will purchase and which dealer will get your business.