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« Back to articles from category "Automotive"

The following article was published in our article directory on May 5, 2012.
Learn more about SpinDistribute Article Distribution System.

Making the Most Out of Your Bad Credit Rating

Article Category: Automotive

Author Name: John St James

The reality is, most consumers have average and below median credit ratings. These restricts the consumer's choices when purchasing a car thru financing. This article will discuss how a consumer can still get loan approval with a low credit rating.

Auto Loan Credit Repair Defined

Auto loan credit repair is a three-step process. First, credit reports must be pulled out. Tip; pull out free annual credit reports or at least those from the top three credit bureaus reporting agencies Equifax, Experian, TransUnion. Second, Read thru the reports. This is probably the trickiest step because the actual reports are confusing to look at. Tip; read the instruction page and realize that it takes 2 to 3 readings to fully understand its content. The third step to auto loan credit repair is to dispute any inaccurate, and obsolete information.

Getting Loan Approval for Bad Credit Car Loans

The reality is, if you have bad credit, you either get disapproved for a loan or the interest rate is considerably higher. The average auto loan interest rate for a consumer with excellent credit score changes regularly. However bad credit car loans usually require 2% to 3% higher interest than those with excellent credit ratings. That does not sound so bad right? Wrong, it is bad! A 2% interest rate difference on a 24 to 36 month payment period can mean a difference of a few thousand dollars. Money lost because of a bad credit car loan, money that you could have used for other purchases or saved up for a rainy day

Finding the Right Lender with Bad Credit Auto Loans

Bad credit auto loans make it harder for a consumer to get approval and to pay for auto loans. However, it does not mean that it is impossible to get one. Here are a few tips to remember:

Search the internet for a lender: Using the internet allows you to widen your searchable area and it is done with very little effort and cost.

Localize the search: Start your search with nearby lenders for future convenience and to make sure that the lender has the proper certificates to prove that they are authorized to do business and is not subprime.

Talk to a live person: An initial internet search is a good way to start your search but it is always advisable to end your search for bad credit auto loans with a one on one conversation with a live representative.

Negotiating Tips for Car Loans for Bad Credit

Assuming you have already found your top picks now it is time to negotiate with each of them. Here are a few tips when negotiating:

Get a written quote: Car loans for bad credit usually start with an offer from a lender. Make sure the same is in writing for your easy reference and to show another lender for the purpose of getting a better deal.

Repair Your Credit Rating: Remember, the higher the credit rating the lower the interest rate and vice versa. Therefore if you have the opportunity you can repair your credit rating in preparation for a car loan in order to avoid taking out car loans for bad credit.

About the Author: John St James is an expert when it comes to bad credit auto loans. To find out everything about a credit repair car loan, visit his website at http://www.needcarcredit.com.

Keywords: car loan interest rate, new car financing, financing a car, auto loan credit repair, bad credit auto loans, bad credit car loan, financing a car, best car finance deals, best auto loan rates, bad credit auto loans, car loans for bad credit, car financing calculator

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