Bad Credit Car Loans / Get a bad-credit car loan
Trying to get a car loan with bad credit in this market can be like pulling teeth. With the subprime borrowing market still in a whirlwind, your tarnished credit can really put a damper on your mobility. But there are still some simple things you can do to make your credit more appealing to potential lenders.
Check your credit history
The first step is to check your credit history and fix any incorrect information. Fixing faulty information can greatly improve your score and get you qualified for a better loan. You can receive three free credit reports per year from the three main credit reporting agencies: TransUnion, Experian and Equifax.
Be consistent
Moving up to a better interest rate might take some time, but it's not impossible. By simply paying your bills in a timely fashion, paying more often and paying off some credit, you can start to improve your credit score. It may take a while, but the rate you'll get on your car loan after your credit gets a tune-up could be worth the wait.
Speak with lenders about bad-credit loans
It doesn't hurt to talk to lenders about where you might fall in their tier of interest rates. But don't just stop at one lender -- shop at any institution where you have existing accounts. Banks and credit unions are more likely to give a better loan to a longtime customer. Use Bankrate's auto loan finder to locate loans in your area of the nation.
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Inexpensive portable navigation systems and even cheaper smartphone nav applications are making the pricey in-dash systems offered by automakers less attractive to many consumers. But some people prefer in-dash systems because of their larger screens and because they offer more features. Plus, you never have to worry about forgetting an in-dash system at home. Finally, prices for in-dash systems are starting to drop.
Bluetooth is a wireless technology that allows two compatible devices to communicate. In the car, it lets you operate a mobile phone "hands-free," meaning you don't have to hold the device while making or taking a call or performing such functions as accessing the phone's address book. (Of course, you have to use your hands to operate certain Bluetooth features via the vehicle's controls.)
Automotive sound systems are more complex now that portable media players, hard-disk drives and smartphones are along for the ride. But the basic radio/speaker setup hasn't drastically changed, even though more speakers and more amplifier power have been added over the years.
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Sales of Ford vehicles increased 13.3 percent in June compared to the same month last year, and the gain was largely spurred by a strong showing by the carmaker’s Super Duty pickup trucks.
Responsible consumers tend to have all their affairs in order – a steady income, plenty of savings and perhaps even an investment or two on the side. While these things are all positive, they ultimately won't get you approved for an auto loan – for that, you need credit.
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There are certain people who seem to have X-ray vision, who can look at a business and see things that are invisible to other people. I bring this up because I have a friend who spotted something about used cars that I have never heard addressed by anyone else.
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