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How Can I Get Car Financing with a Bad Credit Score?

Bad Credit

How Can You Finance a Car with Bad Credit?

If your credit isn’t the best, you don’t have to be ashamed and you certainly don’t have to go without the car that’s right for your needs. We’ve got Buy Here Pay Here in Defiance, Ohio, so come from Lima or Toledo and buy a car with bad credit with our team. We’ll help you with financing a car with a low credit score, and that’s only part of what we can do at our Defiance dealership!

What Steps Should I Take To Get a Car Loan with Bad Credit?

Here are a few steps to buy a car with bad credit near Findlay:

  • Determine how much you can afford to pay. This isn’t just your monthly payment; it also involves your insurance, maintenance, and fuel.
  • Increase your down payment if you can. If your credit isn’t the best, you’ll want to have your down payment as large as possible. That will lower your overall amount financed, which also lowers monthly payments and interest paid.
  • Clean up your credit report as best you can. If you catch any errors, fix those before you apply for financing. Pay down small outstanding debts, because anything counts for your credit score.
  • Be honest about your needs. You should finance a car with an affordable payment, even if it’s not your dream car.
  • Shop around with lenders. You have a 14 day grace period where hard credit checks only count once, so take advantage of it.

How to Raise Your Credit Score

Here are a few tips on raising your credit score to buy a car with bad credit:

  • Pay off collections and small debts first. This involves checking your credit history, where there might be errors you would take care of first.
  • Lower your credit utilization. If you have a high percentage of your credit limit with money owed, lowering your percentage is a quick way to increase your credit score.
  • Consolidate your debt. If you’ve got debt from multiple sources, you might be able to consolidate your debt and lower your monthly payments.

We’re Ready for You at Exceptional Motorcar

Have you found the car for you, but your credit isn’t the best? You can put your mind at ease in Defiance when you come to Exceptional Motorcar, and it all starts when you contact us on our web form.

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