Many people find themselves in the position of having less-than-stellar credit for a variety of reasons. Often, many of these reasons may have nothing to do with an individual’s ability to regulate their spending, or being foolish or wasteful in racking up unnecessary debt. Unfortunately, the credit bureaus do not differentiate between someone who deliberately pays bills late or defaults on obligations, and someone who is trying very hard to keep above water financially, but who has simply fallen on hard times and is trying to make ends meet. Once your credit history becomes speckled with late payments, bankruptcies, or other negative reporting, it can be very difficult to get things going in the right direction again.
It used to be that only the best of the best credit scores were eligible for vehicle financing, while anyone who fell short of that was forced to rely on public transportation, taxicabs, or the goodwill of family, friends, or coworkers. Not having your own car can be exhausting and can limit your freedom in going anywhere, anytime. Wouldn’t it be nice to go out for a night on the town without constantly checking your watch to make sure you can make it home before your public transportation stops running for the evening? In addition, while owning a vehicle comes with certain financial considerations—such as gas, insurance, and maintenance—not owning a car can often cost you a significant amount of money, too. Bus and rapid transit fares can add up quickly. What’s more, limiting your mobility and independence can cost you if you’re looking for a new job.
Bad credit car loans can and do exist. In fact we specialize in getting you approved, no matter what your credit background may be. You don’t have to feel embarrassed—we work with people who come from a wide range of financial backgrounds, and are experts in matching you with a bank or lender that can help. Apply today!