BAD CREDIT CAR LOANS

Bad Credit History?

Three ways to handle it

If you have bad credit, there are three things you can do: Pay higher rates forever, wait for years for negative information to drop off your report, or make a decision today to do something about it.

We believe that credit paralysis is more damaging than bad credit, and that the higher rates for a poor credit history are A) a small price to pay and B) a worthy investment.

Here's some math for you. The difference between a $10,000 car loan at 9 percent and 18 percent is just $1.49 a day. You know you can waste that kind of pocket change every day -- but if you apply it to a loan, instead of going to waste, it's doing you some good.

So go ahead. Apply today.

All the experts agree when it comes to buying a car -- arrange the financing first. So congratulations, you're already ahead of the crowd.

We believe in providing a non-confrontational way of obtaining auto financing for people who have had credit problems in the past. We know that bad things can happen to good people -- layoffs, divorce, medical emergencies -- and that's why we hear the same comment over and over from our customers. "I couldn't believe it was so easy!"

It is that easy: Apply online, make an appointment with one of our local loan officers, see what you think. If you don't like the loan terms or available vehicles, you walk away. No obligation. No hassles. No joke.

As much as we appreciate your business, and as much as we want you to apply today, we also believe in good old-fashioned customer service, AND THERE ARE THREE THINGS YOU NEED TO DO BEFORE YOU GO CAR LOAN SHOPPING:

• learn your credit score (you can do it for free at www.annualcreditreport.com).

• visit www.myfico.com for the latest daily rates you can expect to pay. (Our numbers at right are just rough averages).

• use our monthly payment calculator to set your monthly budget and see how much car you can afford.

Good luck!