Bad credit car loans

Boosting your credit score is the first step toward getting a great deal on your next vehicle. Start by checking your free credit score range, then use our car loan payment calculator to estimate how much you can afford and what your interest rate might be. If you’re uncertain about qualifying for a used car loan, the best way to know is to get pre-approved. With your information, we'll tap into our extensive lender network to secure your approval—even if you've faced repossession, bankruptcy, or foreclosure in the past.

Your interest rate significantly impacts your monthly car or truck payment. If your credit score is on the lower side, you may encounter higher interest rates, but don't worry—this is something you can refinance later as you rebuild your credit. Also, consider the loan term; a longer term typically means lower monthly payments.

Investing in an extended warranty for a used car is a wise choice. For a relatively modest cost—usually just a few thousand dollars—you can secure a comprehensive warranty that lasts for the life of your auto loan. Plus, the cost of the warranty can be rolled into your car loan, adding just $25-50 to your monthly payment. Given that the average auto repair bill is around $500, this small additional expense is a smart way to protect your investment.

After getting pre-approved, explore our wide selection of quality used cars, trucks, and SUVs. Once you find the vehicle that suits you, schedule a test drive—our streamlined paperwork process ensures you'll be on your way in just 30 minutes. And remember, you always have the option to refinance down the road if needed.