How to Get a Car Loan with Bad Credit

Glasses Resting on a Credit ReportAre you wondering how to get a car loan with bad credit? Sometimes, the first step is the hardest when you’re trying to get car financing with a not-so-great credit rating. At ClickIt Auto and RV Wandermere, we make it easier because you can apply for financing online. From there, our finance center team will help you set up a payment plan that works with your budget.

What Steps Can I Take to Get a Car with Bad Credit?

After applying for financing online, you can take a look at some things to see exactly how much car you can afford. These things can keep you within your budget:

  • Know your budget. This means taking a look at how much income you have every month, and how much you spend monthly.
  • Put down a larger down payment if you can, because it will lower your monthly payments. If you have a trade-in, this can help.
  • Make sure your credit rating is correct. Look over your credit report closely and report any errors.
  • Don’t select a vehicle that’s outside your budget. ClickIt Auto and RV Wandermere has a selection of used cars under $10,000 and dealer specials that can help.
  • Ask questions!
  • Bring proof of your income and stability. Pay stubs, proof of address and insurance, and proof that you’re currently employed can help.

How to Improve Your Credit

It’s never too late to start working to improve your credit score. Don’t get discouraged. Look at how your credit score got low in the first place and see where it can be improved. If you’ve been rebuilding credit, your credit score might still be low but your recent prompt payment history will appeal to lenders in Spokane. Keep improving your credit by making payments on time. Your new car will give you the opportunity to build your credit rating back up, which will make it easier to get financing down the road.

Buy a Car With Bad Credit at ClickIt Auto and RV Wandermere!

ClickIt Auto and RV Wandermere loves to help drivers get the cars they need for getting around Spokane Valley and Coeur d'Alene, ID. Come see us with your questions about financing, how to choose a good used car, or to browse our full selection of used cars.

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