Rising vehicle prices have caused most drivers to finance their vehicle purchases, but financing is uniquely difficult for drivers with bad credit. If you have bad credit due to mistakes or unavoidable circumstances, here’s how to successfully purchase from a no-credit-check car dealer in Utah.
Step 1: Shop at a No-Credit-Check Dealership
If you have bad credit, then you may need a vehicle loan that’s based on something other than your past financial decisions. No-credit-check car dealerships throughout Utah specialize in helping drivers who have bad credit still secure vehicle loans.
A dealership that doesn’t check your credit will consider other factors (e.g. employment) and the vehicle you purchase. The dealership will then handle financing in-house, so it can underwrite a loan for your particular situation.
Step 2: Reduce Your Loan Amount
To whatever extent you can, reduce the amount you have to borrow for the vehicle purchase. It’s easier to secure a loan when you borrow less. There are, of course, two main ways that you can reduce your car loan’s balance.
First, you should save up as much as possible for a down payment. Initially paying more so you can borrow less could allow more favorable loan terms. Depending on your situation, consider trimming your budget, taking a part-time seasonal job, or using a one-time windfall to assist with your down payment.
Second, you can look at the more affordable vehicles that are available. Used vehicles are always more affordable than new ones, and you’ll find many no-credit-check dealerships that have quality used vehicles. Look for something that’s in good condition and has a known history, prioritizing reliability and value.
Step 3: Consider Asking a Cosigner
A cosigner is someone who agrees to take on your loan obligation should you default. If you’re in a tough financial position, having someone cosign may make a lender more willing to underwrite your car loan.
Cosigning is common with younger drivers, who often have parents with credit who can help them secure a first car loan. You might have a family member or close friend who’ll cosign even if you’re well into adulthood.
If you can’t ask someone to cosign for any reason, a no-credit-check car dealership can probably still underwrite a loan for you. A cosigner can help, but usually isn’t essential.
Step 4: Protect Your Purchased Vehicle
You should be ready to select and purchase a vehicle at this point. When you purchase the vehicle, make sure it’s well protected against breakdown and damage. An extended warranty could protect against breakdowns for a long time, while good comprehensive and collision coverage will ensure your vehicle is properly insured against damage.
It’s particularly important to protect your vehicle if you have bad credit, so an unexpected issue doesn’t cause you further financial troubles. Purchase the proper protections, and you won’t have to worry when something happens on the road.
Get a No-Credit-Check Auto Loan
For help purchasing a vehicle despite having bad credit, come see us at Rocky Mountain Motor Cars. We have an ever-changing selection of high-quality used vehicles that’ll serve you well, and our finance team can help you get a vehicle regardless of your credit score. We’ll even work hard to get you a car and loan that work well for you, so you can build your credit for the next time you purchase a vehicle. With our assistance, you’ll be in the driver's seat of your vehicle and your credit.
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| Sun: | Closed |
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