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The following article was published in our article directory on June 22, 2012.
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Auto Loans For People With Bad Credit - Insanity Turned Sane

Article Category: Finances

Author Name: Ericka Todd

It may seem like anyone with bad credit has a bulls eye on their forehead when it pertains to looking for auto loans for people with bad credit. You just know that finding a loan will be challenging enough but if you do find a loan you'll have to pay big when it concerns your rate of interest.

Still, what can you do? You need a car to get you around and to and from work. I found myself in that exact situation a few years ago. After a particularly nasty divorce my credit was destroyed. I was driving a ten year old car (it was extremely reliable though and I really loved that old car) that just started to need excessive maintenance. I simply couldn't afford to keep it any longer.

I didn't have any money saved, well not nearly enough for a car anyway, but I needed a car. So I threw caution to the wind and went to a local car dealer to see what, if anything, they could do. I was very surprised and amazed that they had the ability to figure out financing for me on a very nice used car.

My monthly payments were something I could comfortably afford and I had a car that I knew I could rely on. The dealership even offered a short term warranty of my 'new' used car.

The only problem was that my interest rate was outrageous. Rates for people with good credit were around 5 % but mine was over 20 % !! How was that even lawful? But what could I do, I needed a car.

The good news is that I made all my payments on schedule and after only about 6 months I could improve my credit score sufficiently to sell that car and buy myself a brand new car. My interest rate still wasn't the downright lowest it could have been because I still didn't have perfect credit, but it was much better than my first auto loan. I was moving forward and improving my financial situation ... and I had a new car too!

If you find yourself in the situation where you need a new car but have bad credit here are additional tips that might help a little;

1. Don't limit your search for a loan to only your local bank. You can often find better deals with an online bank. No matter what, don't restrict yourself to only one or two lenders.

2. Do anything and everything you can to strengthen your credit score before you start your search. Sometimes you may even be able to find a mistake or two on your credit report and that can improve your score almost at once.

3. Try to come up with at least a small down payment. That will let the lenders view you as someone who does have some assets even though your credit is bad. It will also mean you'll need to borrow less which will make you more appealing to the lender.

There are such things as auto loans for people with bad credit, it just takes a little more time and effort to find them.

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