How Can I Get a Car Loan with Bad Credit?

Car finance paperwork with little blue car

It happens, whether you live in Pilot Mountain,NC, King, NC, or anywhere: drivers who need a new car wondering, “How can I get a car loan with bad credit?” While a low credit score can mean higher interest rates, the finance department at Simmons Nissan is here to help you find out how to get a car with bad credit.

How to Get a Car Loan with Bad Credit: A Step by Step Guide

If you’re in North Wilkesboro, NC, wondering how to get a car loan with bad credit, we’ve got an easy step-by-step guide to get you started:

  1. Make sure your credit rating is correct: Look over your credit report closely and report any errors.
  2. Calculate your budget: How much income you have every month, and how much can you afford to spend monthly?
  3. Select a car in that budget: Simmons Nissan has a selection of used cars with good mileage that can help.
  4. Make a larger down payment: It will lower your monthly payments. If you have a trade-in, this can help.
  5. Ask questions and don’t be afraid to negotiate. Bring proof of your income and stability. Pay stubs, proof of address and insurance, and proof that you’re currently employed can help.

How to Get a Car Loan with Bad Credit: Improving Your Credit Score

When you’re looking at how to get a car with bad credit, you can also keep an eye towards how to keep improving your credit score.

  1. Understand how your credit score dropped in the first place. See where you can improve it.
  2. Your credit score might still be low if you’re rebuilding your credit, but your recent prompt payment history will appeal to lenders.
  3. Keep improving your credit by making payments on time.
  4. If you can’t make a payment on time, follow the proper steps to make less of an impact on your credit score.

Let Simmons Nissan be a Part of How to Get a Car Loan with Bad Credit!

At Simmons Nissan we’re here to help drivers who are trying to figure out how to get a car with bad credit. Once you’ve checked your credit report and calculated your budget, apply for financing with us. Our friendly and professional staff will help you find the best possible loan rate for you, as well as the perfect car to fit your budget.

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1994 Rockford St • Mount Airy, NC 27030

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Simmons Nissan 36.480911, -80.6164464.