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Bad Credit Financing Tips | Bakersfield, CA

Need a car but have less-than-ideal credit? We’re here to help. Here are some tips that will put your mind at ease:

1. Don’t think the worst

Everyone’s unique, so don’t get your hopes up or down because lenders could view you different than you think.

2. Go high

If you have good credit or even average credit, applying for a subprime loan means that you might get worse terms than you deserve.

3. Consider your bank

If you have good history with your bank, than they know you, so applying for a loan through them might be a good option.

4. Don’t go alone

It’s always good to have an extra set of eyes and ears, and this strategy leaves room for your partner to negotiate if they’re good at it.

5. Terms, not monthly payments

Look at the lowest APR over the shortest period instead of looking at low payments over a longer period of time.

6. Look out for ad-ons

Low credit scores could lead to being charged with nonessential services like after-market services and even insurance.

7. Go to your dealer

If you’re hesitant, work with us, because we want you to have a car as much as you do!​ 

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