BAD CREDIT CAR LOANS

Let's Get The Bad Credit Bad News Out Of The Way First

Bad Credit FACT

Credit paralysis is worse than bad credit.

Yes, you'll pay more for a bad credit car loan, but you get something for that extra money. You get a chance to improve your credit. Worrying and waiting and doing nothing will not help you build a positive credit history.

Biting the bullet, working hard, making payments on time -- those are the things that will improve your credit score and set you up to get a lower rate next time around.

Seriously. Waiting does no good. Go ahead and apply and get over the first hurdle.

If you are currently in bankruptcy, sorry, we can't help.

If you've had a vehicle repossessed in the last 12 months, we can't help.

So let's get to the good news.

Really bad credit often stems from having no credit history, no proof of positive credit. Sometimes it comes from being self-employed, as again, it's a matter of a lack of proof of recent income (something more recent than a tax return).

We have lenders in our network who routinely deal with such situations and we encourage you to apply today and get the process moving. You'll be asked for what's known in the trade as stips -- utility bills, check stubs, maybe even references -- but that's okay. You may have to jump through some hoops, but you may get a chance at something you never thought possible. A chance to rebuild your credit.

We must, however, offer one warning. If you've been getting denied for credit and over, stop applying, because each rejection just lowers your score even more. If you have NOT been filing and filing and hoping for a miracle, then go ahead and click to apply online.