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04/25/2014 (updated 01/20/2015) – By Ronald Montoya
Let’s say you’ve made a few late payments on your bills. Perhaps you have a maxed-out credit card. Or maybe you bought more car than you actually needed and couldn’t keep up with the payments. Hey, it happens. But now it’s time to buy another car and you have serious doubts as to whether you’ll get approved for a loan.
A few years ago, we tested the theory of buying a debt-free car as an alternative to buying at a used-car lot or a “buy here, pay here” dealership. We concluded that for some, the maintenance and repairs may prove too much for people to handle.
Buying a new car outright won’t reestablish your credit. You’ll need to take out a loan for that. But what options do you have? The “buy here, pay here” dealerships might be one alternative, but not all of them report your payment progress to the credit bureaus. Plus, you’re still buying a used car that may require repairs. Is a new car out of the question? Not necessarily.
It is possible to buy a new car with bad credit if you know where to look and how to prepare. Here’s how this kind of car buying works and what to keep in mind throughout the process.
Why Would a Dealership Finance Your Car?
How can you buy a brand-new car when you have a spotty credit history? There are a number of reasons why a lender would let someone with a troubled credit history finance a new car.
From the lender’s perspective, a new car has more value and therefore offers more collateral that can be reclaimed if the buyer fails to make payments. The lender also has the assurance that a new-car buyer will actually keep up with payments. His money won’t be diverted to the costly repairs that sometimes befall older cars.
From the dealership perspective, a new car is an investment in a relationship that will pay off in other ways later on.
“Half the time, we’re not making any money on the deals,” says Rinaldi Halim, general manager for Nissan of Duarte, a dealership in Southern California that says it’s proud of the fact it takes on clients in all credit tiers. “We want to have a relationship with that customer,” Halim says.
One new-car sale won’t yield much (if any) profit, Halim says. But it will pay dividends when customers refer their family and friends, resulting in more car sales, including some that will be profitable for the dealership. The sales also pay off when people get their vehicles serviced in the maintenance department. Years later, the initial customers will likely trade in those “no-profit” cars for new ones. The dealership will sell the initial cars as used ones. And if they’ve been well maintained, they will turn a tidy profit for the dealership.
If you’re someone who has bad credit but wants to buy new, it is best to start planning for it well in advance, as you would with any major purchase.
You need to start with your credit report to see how it would look to a lender. Run it at least three months before you plan on buying so you can take action on any outstanding items, recommends Rod Griffin, director of public education for credit reporting company Experian.
Annual Credit Report.com gives you one free report a year on each of the major credit reporting companies: Experian, Equifax and TransUnion. Take advantage of it.
Getting your actual credit score typically costs money, but your score will give you an idea of the credit tier into which you fall. Experian defines subprime (which includes deep subprime, as low as you can go) as a 619 score or below on its Vantage scale.
Once you get the free credit report, pay close attention to the section that points out potentially negative items, also called risk factors. Risk factors could be anything from an old debt that went to collection to a fine you had to pay in a civil court case.
Rather than viewing them as black marks on your credit, “These risk factors can empower you as a consumer to help rehabilitate your credit,” Griffin says. The risk factors are present in all reports, so if you fix an issue you found on one credit report, the action will be reflected on all the other reports.
Experian says it offers an added benefit with its credit report and score. For $40, you get your credit score from Experian and a 35-minute session with a credit educator. This person will go over your report and point out items that need attention and give you tips on how to address it.
Get Pre-Approved and Choose a Dealer
Because your credit is bad, you will be paying a high interest rate, perhaps as high as 18 percent in California, for example. But some rates still could be better than others. This is why it’s important to seek approval from more than one lender.
To find out which car dealers may be willing to finance people with iffy credit, pay attention to radio commercials or billboards from dealerships that say things such as “Your job is your credit!” or “Bad credit? No Problem!” These are good places to start. Steer clear of the “buy here, pay here” lots, however, since they don’t sell new cars.
Many dealership Web sites have credit applications you can fill out online to get pre-approved. If you don’t see the application on the front page, it may be under the “Finance” tab.
Also, check with your own bank or credit union. They may be more willing to approve you since you already have an established financial relationship with them. You might also try Road Loans from Santander Consumer USA, which specializes in subprime loans.
Don’t worry that filling out too many loan applications will harm your credit. “Lenders know you are searching for the best rate,” Griffin says. As long as you apply for loans in a 14-day period, they will only count as one “hard” inquiry on your credit report.
Bring Documents To Show You’re a Good Credit Risk
When you go into the dealership to talk about financing, you need to bring along some important paperwork. These items will allow a dealership to establish who you are and confirm that you have a job, that you have a history of making monthly payments on time and have friends or family the dealership can contact to find you if you stop making payments. Bring these items with you:
The most recent pay stub from your job
Your utility bill (gas, water, electricity)
Your driver license
Three personal references
Stay in Your Price Range and Look at the Total Costs
Most people know what they can afford for a monthly car payment. But that sometimes ignores the bigger picture. Just because you qualified to buy a $22,000 midsize sedan doesn’t mean you should buy it. For example, if you scale back and purchase a $17,000 compact sedan, you’ll free up $100 per month. This is money you could use for gas, insurance or to pay other bills.
“We love our leather seats and sunroofs,” says Griffin, “but when your credit isn’t stellar, it is better to look at a lower-end automobile.”
Halim gives an example of a deal made for someone with bad credit: a $16,000 Nissan Versa, minus a $1,000 bonus cash incentive, financed for 72 months with $1,000 down. The interest rate would be around 17.9 percent, which would bring the monthly payment to about $354. At the end of the six years, you would have paid $25,485 for that Versa.
These numbers will vary based on how much you’re putting down, what you’re financing and what you’ve been approved for, but it gives you a rough idea on what this type of deal looks like. A sizable percentage of the loan will be the interest ($9,927 in this example), but this is the reality when you’re borrowing in this credit tier.
Just remember that it could be worse if you were dealing with a “buy here, pay here” car purchase. While talking to Halim, for example, we heard about a customer who had purchased a car from a “buy here, pay here” dealership and no longer wanted the car. The loan was for $4,200, to be paid over 36 months. The person already had made 22 payments of $322 and still owed $3,800 on the principal, thanks to an exorbitant interest rate. It approached the California legal maximum of 29.9 percent.
Resist the Urge To Trade Up
A number of new-car dealerships offer their credit-challenged customers the chance to trade into another vehicle without a significant increase in their monthly payment, provided they’ve made a year’s worth of consecutive on-time payments. While it may be tempting to get out of a Nissan Sentra and into a Nissan Altima, for example, you will be adding more debt to your next loan.
If you want to move up to a larger or nicer car, a smarter strategy is to refinance the current loan for a lower interest rate and monthly payment, then stick out the loan until the initial car is paid off. When it’s time to purchase your next car, you should be in a higher credit tier (assuming you’ve also done well on your other bills), and will qualify for a nicer car.
If you’ve done your credit homework, shopped within your price range and made all your payments, you’ve not only improved your credit score but also set up positive finance habits that will serve you well for years to come.
We pay the HIGHEST PRICE for used cars, trucks, vans, SUVs, economical to luxury cars, late models to classics cars! Right Now! Get a free expert appraisal of your used car value. We are a licensed New Zealand Used Car Dealer and we will tell you what your car is worth, pay highest price and professionally HANDLE ALL NZTA WORK FOR YOU! If you’re wondering how to sell a car with no hassle, call 0800 111 352 and get a free, no obligation quote to get cash for your car now.
We Buy Cars Pay Cash
Many people ask us “how can i sell my car for the highest price?” The easy answer is call us now 0800 111 352 and tell us about your car. We pay more than car auction in most cases, and we make it Easy, Safe and Fast! Also, here’s some handy tips on selling unwanted vehicles.
Selling your Suzuki is as Easy as One, Two, Three! Used Car Guys will make a FIRM offer for your Suzuki. If you want to Sell My Suzuki the Simple Secure! way,simply enter your registration number and a few simple details. We will call you back promptly with a FIRM offer for your Suzuki, based on your description. If you like our offer,
Selling a car? wondering where can I get the best price for my car in Wanganui? CALL FREE to find out the best cash offer for your car now – 0800 111 352. Your search ends up here, if you are living anywhere from Whanganui through Manawatu-Wanganui region. Get the best cash offer for your
What’s the Worth of Your Used Car? Sell My Car? I want a good price? Have you finally decided to part away from your car, exchanging the sports model or a 4 4 or need the space in the garage from where the rusty old banger sits? You will often ask yourself, “I want to get
Looking to land the best deal on your dream car? Trying to find new cars for sale in the UK at great discounts? Want offers direct from new car dealers across the UK? Looking for the most competitive new car dealer prices on the latest cars to hit the streets? You will find all only with CarQuake – the leading online car discount website in the UK. Find the best new cars, really cheap right here!
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We give you access to the cheapest deals on cars from all leading manufacturers. Whether your dream car is the Toyota Yaris or the Nissan Qashqai, the high-performance Jaguar XF or the dependable Vauxhall Astra, we ll help you find the best available deals in the market today direct from UK dealers.
Also available are other top-selling cars like the Citroen Picasso, Honda Civic, Nissan Micra, Renault Clio, Peugeot 308 and many, many more. At CarQuake you can be sure to find cheap new cars for sale in the UK from leading franchised dealers offering the best discounted prices: it s a great way to save both time and money.
Articles Of Interest to New Car Buyers
We publish a range of helpful articles and new car reviews to help new car buyers in purchasing their new car so they can review their purchase.
Australian Motors Your Local Dealer With 5 Great Locations
Here at Australian Motors, we have been providing Wayville, Edwardstown, Morphett Vale and their surrounding suburbs with a great range of vehicles and service for over 60 years. Australian Motors has long been known for our jingle, The Great, Great Guys , and we continue to live up to our excellent reputation, year after year.
We are still operating from our iconic Wayville site, providing a huge range of new, demo and used cars for sale, Car Servicing and a variety of Aftermarket products and services. Over the years our buinsess has expanded to include a second Mitsubishi dealership at Morphett Vale and of course the ever popular Australian Motors Mazda located on South Road at Edwardstown. In more recent years Suzuki in the City joined our group and is now acknowledged as one of the largest and most successful Suzuki Dealers in Australia. Our passion for servicing the automotive needs of South Australians is what has helped us expand the Australian Motors Group into a variety of specialist dealerships for Mitsubishi, Mazda, Suzuki and Isuzu UTE.
For more information about our vehicles or services, please Contact Us to speak with one of our friendly staff. Alternatively, come in during operating hours and experience our Great, Great service!
Automotive Board meeting will be held on Monday, May 9th, 2016 at 10 AM for the month of May
New Non-Consent and Heavy Duty Tow Rates – Effective January 1, 2017
Non-Consent Tows $159.00
Heavy-Duty Tows $241.00 per hour, 2-hour minimum
The primary objective of the Auto Dealers Detail is to regulate, inspect, and license automotive businesses and salespersons, oversee the towing and storage industry, dispose of vehicles abandoned in storage facilities, and to administer agreements with storage lots and towing companies that service the police department. Another goal of the unit is to ensure that the automotive industry complies with the many laws that govern their operations and to ensure consumer protection. The Auto Dealers Detail is devoted to working cooperatively with all of its customers seeking creative and innovative ideas to continually provide excellent quality customer service.
Created in 1945, the unit licenses a variety of automotive related trades including car dealerships and salespersons, repair shops, salvage yards, storage lots, tow truck drivers, paid parking lots, and auto parts stores. Each of these trades must meet their own unique licensing requirements and comply with business specific federal and state laws and city ordinances. To learn more go to Business Licenses or Individual Licenses. All license applications are subject to the approval of the City of Houston Automotive Board. For applications pending Board approval see Applications Pending
The Houston Police Department conducts the public auction of unclaimed vehicles in state licensed vehicle storage facilities as required by Chapter 683 of the Texas Transportation Code. This process includes the notification of registered owners and lienholders of a pending sale and a notice of auction to the general public. For details go to Vehicle Auction
The purpose of the Safe Clear program is to save lives, reduce traffic congestion, and ensure that citizens are treated fairly by wrecker drivers. Citizens who have questions or complaints about the City’s Safe Clear program should contact Auto Dealers Detail by phone or go to Contact Us. The Safe Clear Motorist Bill of Rights link is below and is both in English and Spanish.
Regulation includes the investigation of complaints received on licensed and unlicensed businesses. To file a complaint with our office go to Contact Us
Issues of the day!
When involved in a crash in the City of Houston, an important law to remember is that the tow truck operators role is to tow your vehicle per a police officers direction. The law forbids tow truck operators to solicit your business for towing, removing, or repairing any abandoned or disabled vehicle at a police scene by words, cards, or gestures until such time as a law enforcement officer has departed from the scene. Therefore, under this Ordinance, a tow truck operator will be in violation of the law if they should approach you offering, suggesting or requesting to have your vehicle taken to a body shop for the repair of your vehicle.
When it comes to accepting a trade-in or selling a pre-owned vehicle, you need solid, reliable information – it can make the difference between success and failure. Risk is something all businesses face. How you handle that risk is what determines your ability to succeed and grow. Now you can better support your price point and improve your trade-in and appraisal process to lower risk as well as increase your bottom line.
AutoCheck Express helps you better price your inventory and increase customer confidence. Using the automated audit feature, AutoCheck Express provides information on every vehicle in your pre-owned inventory in an easy-to-read, color-coded report. When an issue is uncovered, you are automatically notified via email. The vehicle history reports are easily accessed throughout the CDK Global system from prospecting to F width: 250px; margin: 0 10px 5px 0;” src=”http://www.autocheck.com/members/img/rrlogo_notagline.jpg” /> AutoCheck Plus makes it easy and affordable to get AutoCheck reports for every vehicle with monthly unlimited access. AutoCheck Plus enables automatic audits of the entire used vehicle inventory and can generate a single report anytime. Additionally, users can view vehicle history in ERA Vehicle Management, ERA Desking, ERA Vehicle BookOut, ERA Accounting and WebMaker X.
DealerCenter is integrated with Experian’s AutoCheck vehicle history reports to help provide the highest quality inventory for your customer and keep them coming back. Also, dealers get total access to their business anytime, anywhere with DealerCenter’s native iOS and Android apps. Featuring instant VIN scanning, integrated booking services and vehicle history reports our mobile apps become an indispensable tool at auctions. Plus, the ability to manage customers and sales activity enables dealers to drive sales.
AutoCheck reports provide dealers with an in-depth view of a vehicle’s history to better understand, compare and select the right vehicles.
Data from over 95% of all U.S. auto auction houses including the two largest 70% of them are completely exclusive to AutoCheck with most providing structural damage announcements.
Tens of thousands of distinct accident sources, many provided only to AutoCheck.
Private sources of salvage, export, fleet and repair info.
Patented AutoCheck Score – an easy-to-understand summary of a vehicle’s past.
Competitive pricing with transparent terms and conditions.
Exclusive DMS partnerships with Reynolds & Reynolds & CDK Global
AutoCheck Buyback Protection.
Live customer service phone support
To find out more about AutoCheck vehicle history reports call us: 888 409 2204 or click here.
Uber has teamed up with NASA to begin the development of a flying taxi. The taxi app firm has confirmed that it is the first ever company to work alongside NASA on a programme that is related to low-altitude air space travel rather than outer space. Chief product officer Jeff. (09-11-2017)
BMW reveals limited-edition M3 CS
BMW has lifted the lid on its all-new M3 CS – a more aggressive and more powerful variant of the standard M3 saloon. On-board is a 3.0-litre twin-turbocharged six-cylinder engine producing 454bhp, a jump of 10bhp over the standard car. From standstill to 60mph takes just 3.7 seconds – half. (08-11-2017)
Tiredness at the wheel compared to drink driving
Scientists have discovered that sleep deprivation causes your brain cells to switch off while awake – and it could happen to you while driving. However, it also affects other aspects of your life, from forgetting where your car keys are to a lack of concentration – which could lead to. (07-11-2017)
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