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How to Get a Car Loan with Bad Credit?

Bad Credit

 

When you have bad credit, it may be nerve-racking trying to secure bad credit car loans near the Omaha area. However, it is definitely possible when you go about the process more carefully. The award-winning finance team at Honda Cars of Bellevue is here to offer you some top tips on how to get a car loan with bad credit. Learn more below! 

Steps to Secure Bad Credit Car Loans in Bellevue 

Before you go start right into the process, do the following to ensure you’ll get the best possible options in your scenario in Bellevue:

  • Determine how much you can afford to pay. This should include more than the price of the car as well as how much you can afford to borrow. You should also consider other expenses like annual registration fees, car insurance, maintenance costs, and gas costs. 
  • Make a bigger down payment if possible. When you have bad credit, having a larger down payment will offer more peace of mind to your lender. It will also mean you’ll have a smaller loan balance to pay off, leading to less interest paid overall. 
  • Try to clean up your credit report before applying for a loan. See if there are any errors that you can dispute beforehand. These errors could be lowering your credit score. Also, try to pay off any outstanding debts if possible, so it can help your score. 
  • Be honest about what kind of car you should buy. Keep in mind that a bad credit car loan can be your stepping stone to rebuilding your credit, so it’s always a good idea to purchase a car that you can afford. Consider a pre-owned model or a certified one
  • Shop around with lenders. Apply with a handful of lenders to compare the rates of those who approve you. This is one of the best ways to get the best offer despite having to secure an auto loan with bad credit. 

How to Get a Car with Bad Credit: Improve Your Credit Score

While taking out any loan with bad credit isn’t the ideal situation in Council Bluffs, IA, it can help you improve your credit score if you consistently make the monthly payments. You may be researching how to get a car loan with bad credit now, but once you have taken all the advice and work towards a better credit score, you’ll be able to have more lending power in the future! 

Find Bad Credit Car Loans at Honda Cars of Bellevue 

So where can you secure bad credit car loans? Honda Cars of Bellevue has earned the American Honda’s Council Of Excellence Award for 11 times in a row, in part for our finance team that has outperform others. We have worked with drivers from all financial backgrounds, so we can help you get an auto loan even if you’re in a less-than-ideal situation near Bellevue! 

Apply for Financing Online from Honda Cars of Bellevue Now! 

Get started today by applying for financing online. As you wait for pre-approval, feel free to check out our finance specials and our used inventory priced under 20K!

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