Index
SALES: (812) 299-4505
13350 S US Highway 41, Terre Haute, IN  47802
Contact Information

How To Get A Car With Bad Credit


Image

How To Get A Car With Bad Credit

If you have bad credit and are in search of a used car for sale, you’ve likely already experienced it, or you might experience some difficulties regarding qualifying for an auto loan. Since most dealerships use credit to determine auto loan eligibility, having bad credit can pose some struggles when trying to get approved for a car loan.

Fortunately, bad credit dealerships such as Terre Haute Auto’s, which offers buy here pay here near Terre Haute, provide a great solution for car buyers with bad credit. To help acquaint you with buy here pay here, or bad credit dealers, we have provided a list below of five tips on how to get a car with bad credit.

1. Familiarize Yourself With Credit And The Impact Of A Loan On Credit

Before you decide to finance a used car for sale, you should first familiarize yourself with credit scores and how a loan affects credit. Even with bad credit, a loan will still have an impact on your credit. For example, if you make payments on time, your score will increase; however, late or missed payments will decrease your credit score. Therefore, making timely payments can help to get you out of a bad credit situation.

2. Make A Budget

Once you understand credit, the next thing you should decide is how much you are willing to spend on a used car for sale. After all, you wouldn’t want to go into the dealership without knowing how much you can spend, as it could lead to major financial mistakes. Hence, you should calculate a budget based on your financial situation and all factors associated with financing a vehicle, which can be seen below:

  • Vehicle Cost
  • Registration
  • Maintenance
  • Fuel
  • Initial Fees/Taxes

Upon setting a budget, you will then be able to refine your car search down to specifically used cars near you within your price range.

3. Find Reputable Bad Credit Dealerships

After you’ve gotten your budget out of the way, you should focus on finding a reliable bad credit used car dealership near you. If you are in Terre Haute, you might search for “used cars near Terre Haute.” While searching, you should note that some bad credit dealers are predatory towards low credit buyers. To avoid this, there are a few things you should look for in a reliable dealership listed below:

  • Easy-to-use Website
  • Diverse Inventory
  • Vehicle History Reports
  • Positive Reviews
  • Many Forms Of Contact

Terre Haute Auto’s car lot near Terre Haute is a fantastic example of a reputable bad credit dealership known for quality service. We even offer buy here pay here near Terre Haute, making the car shopping experience streamlined by taking care of all auto financing in-house.

4. Consider A Down Payment Or Trade-In

One of the best ways to save money on a used car is a down payment or a trade-in, especially if you’re buying a car with bad credit. A down payment and trade-in act similarly by reducing an auto loan’s interest rates and minimum payments. At dealerships like Terre Haute Auto’s buy here pay here near Terre Haute, we encourage trade-ins as we often have great trade-in incentives that can save you more than a down payment at times.

5. Benefit Of A Co-Signer

Whether you are shopping at a car lot near Terre Haute or anywhere else, the final tip you should consider when attempting to buy a car with bad credit is whether or not you want a co-signer. A co-signer is beneficial in many ways, as they decrease your financial risk to the lender by taking care of any missed or late payments. This reduction of risk to the lender benefits you by improving your loan eligibility and reducing interest rates on an auto loan. With all of this being said, the responsibility that comes with being a co-signer is significant; therefore, you should find someone you trust to co-sign, such as a close friend or family member.

Page  1  2  3  4  5  6  7
Exterior: 
Black
Interior: 
Charcoal 
Mileage:
33,578
Engine:
4cyl, 2.0L, 141.0hp
Model #: 
28018
VIN:
JN1BJ1CR8JW281214
Stock #:
102663
  
$21,900
DESIRABLE FEATURES: Include Blind-Spot Monitor, Bluetooth, Sirius XM, Remote EntryThis all wheel drive 2018 Nissan Rogue Sport S features a Magnetic Black exterior with a Charcoal interior and has only 33,578 miles.INTERIOR OPTIONS: Cloth Seats, Cargo Shade, Illuminated entry, Telescoping Wheel,...   Read More
Exterior: 
White
Interior: 
GRAY 
Mileage:
166,385
Engine:
8cyl, 5.4L, 310.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
W14
VIN:
1FTPW14V59KA61807
Stock #:
TR102610TH
  
$14,900
DESIRABLE FEATURES: Include 4WD, Alloy Wheels, Remote EntryThis four wheel drive 2009 Ford F-150 XLT features a White exterior with a Gray interior and has only 166,385 miles.INTERIOR OPTIONS: Adjustable Lumbar Seats, Cloth Seats, Illuminated entry, Air Conditioning, Bench Seat *Split*,...   Read More
Exterior: 
Gray
Interior: 
Graphite 
Mileage:
138,836
Engine:
8cyl, 4.6L, 310.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
8339
VIN:
5TFUM5F17DX042102
Stock #:
102607
  
$21,900
This four wheel drive 2013 Toyota Tundra Double Cab 4.6L V8 6-Spd AT (Natl) features a Gray (silver Sky Metallic) exterior with a Graphite interior and has only 138,836 miles.INTERIOR OPTIONS: Cloth Seats, Rear Reading Lights, Pass-Through Rear Seat, Illuminated entry, Air Conditioning, Bench Seat...   Read More
Exterior: 
Blue
Interior: 
Black 
Mileage:
107,298
Engine:
4cyl, 2.4L, 180.0hp
Model #: 
1LD26
VIN:
3GNAL2EK9FS519719
Stock #:
TR102619TH
  
$9,995
DESIRABLE FEATURES: Include Alloy Wheels, Bluetooth, Remote Entry, Sirius XM, Auto Climate ControlThis front wheel drive 2015 Chevrolet Captiva Sport Fleet LS features a Blue Ray Metallic exterior with a Black interior and has only 107,298 miles.INTERIOR OPTIONS: Power Drivers Seat, Cloth Seats,...   Read More
Exterior: 
Black
Interior: 
Medium Light Stone 
Mileage:
93,675
Engine:
4cyl, 1.6L, 120.0hp
Model #: 
P4B
VIN:
3FADP4BJ4FM164664
Stock #:
102651
  
$9,995
DESIRABLE FEATURES: Include Alloy Wheels, Bluetooth, Remote EntryThis front wheel drive used 2015 Ford Fiesta SE features a Tuxedo Black exterior with a Medium Light Stone interior and has only 93,675 miles.INTERIOR OPTIONS: Leather Wrapped Steering Wheel, Cloth Seats, Telescoping Wheel,...   Read More
Exterior: 
Black
Interior: 
Sandstorm/Black 
Mileage:
19,767
Engine:
4cyl, 1.4L, 160.0hp
Model #: 
BUTM74
VIN:
ZACCJABH3FPB90933
Stock #:
102652
  
$17,900
DESIRABLE FEATURES: Include Alloy Wheels, Bluetooth, Sirius XM, Remote EntryThis front wheel drive used 2015 Jeep Renegade Latitude features a Black exterior with a Sandstorm/black interior and has only 19,767 miles.INTERIOR OPTIONS: Cloth Seats, Leather Wrapped Steering Wheel, Illuminated...   Read More
Exterior: 
Blue
Interior: 
Black 
Mileage:
28,070
Engine:
4cyl, 2.5L, 203.0hp
Model #: 
2546
VIN:
4T1G11AK1MU494008
Stock #:
102569
  
$29,900
DESIRABLE FEATURES: Include Alloy Wheels, Bluetooth, Sirius XM, Remote Entry, Auto Climate ControlThis front wheel drive 2021 Toyota Camry SE features a Blueprint exterior with a Black interior and has only 28,070 miles.INTERIOR OPTIONS: Premium Synthetic Seats, Leather Wrapped Steering Wheel,...   Read More
Exterior: 
White
Interior: 
Black 
Mileage:
99,314
Engine:
4cyl, 2.4L, 185.0hp
Model #: 
53232
VIN:
5XXGT4L33KG286057
Stock #:
102618
  
$18,900
DESIRABLE FEATURES: Include Alloy Wheels, Bluetooth, Blind-Spot Monitor, Remote Entry, Sirius XM, Push Button Start, Auto Climate ControlThis front wheel drive 2019 Kia Optima S features a White (snow White Pearl) exterior with a Black interior and has only 99,314 miles.INTERIOR OPTIONS: Premium...   Read More
Exterior: 
Gray
Interior: 
Steel Gray 
Mileage:
140,557
Engine:
6cyl, 3.5L, 365.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
W1E
VIN:
1FTFW1ETXDFB54848
Stock #:
TR102552TH
  
$23,900
DESIRABLE FEATURES: Include 4WD, Alloy Wheels, Bluetooth, Remote EntryThis four wheel drive 2013 Ford F-150 XLT features a Gray (sterling Gray Metallic) exterior with a Steel Gray interior and has only 140,557 miles.INTERIOR OPTIONS: Adjustable Lumbar Seats, Cloth Seats, Pass-Through Rear Seat,...   Read More
Exterior: 
Blue
Interior: 
Gray 2-Tone 
Mileage:
90,536
Engine:
4cyl, 2.0L, 161.0hp
Cab Type: 
4dr Car
Model #: 
B2522
VIN:
KNDJP3A56J7536889
Stock #:
102653
  
$14,900
DESIRABLE FEATURES: Include Alloy Wheels, Rear Camera, Bluetooth, Sirius XM, Remote Entry, Auto Climate ControlThis front wheel drive 2018 Kia Soul + features a Caribbean Blue exterior with a Gray 2-tone interior and has only 90,536 miles.INTERIOR OPTIONS: Cloth Seats, Cargo Shade, Telescoping...   Read More
Page  1  2  3  4  5  6  7
View ArticlesSave ThisPrint ThisTell A Friend