Maybe you maxed out your credit cards in your carefree 20s and missed a few payments, or maybe you had a family emergency that caused you to take out a payday loan with terms you didn’t understand at the time. Whatever it was that caused your credit score to go down, you’ve learned from your past mistakes and are making better choices now. When you go to purchase a car, you need to work with a lender that understands you are more than just a number on a credit report.
We provide guaranteed car loan approval to people with bad credit because we know that unexpected life events can often make a good person’s credit score look bad. People who are working hard to take care of their families and build a strong financial future need a reliable car to help them do that. Obtaining financing for a car that you can depend on to serve your family’s needs should not be out of your reach simply because you had some financial trouble in the past. Come to us if you’re looking for an auto lender that won’t make you feel like a second-class citizen because you have bad credit.
Next to mortgage and rent payments, car payments are one of the bills that people are the least likely to disregard. With a vehicle tied to the loan as collateral, defaulting on an auto loan too many times can mean that the vehicle gets repossessed. We know that you don’t want to lose your most reliable source of transportation by missing a few payments, so there’s no need to convince us that you’re serious about fulfilling your loan obligations. Due to the structure of a secured auto loan, we already know that you’ll make car payments a top priority the minute you apply for the loan.
With guaranteed car loan approval, we won’t be having a conversation about whether or not you qualify for a loan. All we need to know is how big of a loan you can afford to take out and what kind of loan payment structure is going to work with your budget. Some buyers have money set aside to make a large down payment while other buyers need to take out an auto loan with little or no down payment required. The amount of money that you have to make a down payment will help us to calculate your monthly payments and the length of your loan. Your income will also be factored into loan calculations, because we don’t want you to take out a loan with a payment schedule that you can’t afford to keep up with.
While you’re shopping around for a car, it’s a good idea to try to get a gauge on what price range you’re looking for and stick to it. After all, shopping for items out of your price range may have been what caused your credit score to go down in the past. With our guaranteed car loan approval, we can help you to quickly and easily find out how much money you have to work with and what your loan terms will be. Think about how many years you’ll be paying off your loan and what type of car you’ll be happy driving during those years. And remember, no matter what your credit score looks like, we can help you get a car.