How to Get a Car Loan with Bad Credit?

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Are you a Chandler driver wondering how to get a car with bad credit? Financing a car with a bad credit score is tricky, but not impossible, especially with the help of our knowledgeable Patriot Chrysler Dodge Jeep RAM of Chandler finance team! Learn how to get a bad credit car loan with our experts below, then visit our dealership near Edmond to find out more about our new vehicle specials and budget-friendly finance plans. 

How to Get a Car with Bad Credit? 

Our finance specialists have gone to great lengths to ensure that any Oklahoma City driver in desire of a bad credit car loan can secure the financing they need. Wondering what you have to do on your end to make that happen? Simply fill out our online secure finance application to get pre-approved and our finance team will take it from there and figure out a payment option that works best for you. 

Tips for How to Secure a Bad Credit Car Loan

As you can see, learning how to get a car loan with bad credit is a fairly simple process, however, there are factors you can take into your own hands to improve your odds of securing the best possible bad credit car loan: 

  • Shop around with lenders. Don’t assume that the first lender to approve you will be the only one. Apply with a handful of lenders so you can compare the rates of those who approve you. 
  • Be honest about what kind of car you should buy. Your focus should be financing a car with an affordable payment even if it’s not your dream car. Make sure to choose a vehicle that you can afford to take care of in the coming years. 
  • Try to clean up your credit report before applying for a loan. If you catch any errors, you should absolutely dispute them because they could negatively affect your credit. If you have any outstanding debts, start paying them down where possible – even making a small dent can help your credit score. 
  • Make a bigger down payment if possible. If your credit isn’t great, a larger down payment will help lenders to see you more favorably as a borrower. Additionally, a larger down payment means you’ll have a smaller loan balance to pay off, leading to less interest paid overall. 
  • Determine how much you can afford to pay. This amount should encompass more than just how much you can afford to borrow. Think about other expenses like annual registration fees, car insurance, as well as maintenance costs and gas costs. 

Secure a Bad Credit Car Loan in Chandler Today!

Now that you know how to get a car with bad credit, your next best move is to contact us online for more help with your initial down payment! Take advantage of the Value Your Trade tool on our website to find out how much your current vehicle is worth. If you’ve got positive equity on your car, you can put the remaining money towards the purchase of a new Chrysler, Dodge, Jeep, Ram car, truck, or SUV today!

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