Category: Car Purchase Tips

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The world of car loans can be intimidating, especially if your credit score isn’t up to par. The good news is that there are actionable steps you can take to improve your credit score and make qualifying for that car loan a whole lot easier. Let’s take a quick look at why a credit score matters in the first place and some of the best things you can do to make yours look better.

The Importance of a Good Credit Score for a Car Loan

A good credit score isn’t just a number; it’s your ticket to a more favorable loan agreement. Lenders use this score to gauge your reliability as a borrower. A higher score often translates to lower interest rates, higher loan amounts, and more flexible repayment terms. So, if you’re eyeing that shiny new car, now’s the time to spruce up your credit report.

Top Tips For Improving Your Credit [...]
top tips for qualifying for bad credit car financing

Did you know that there are plenty of lenders out there — like Car N’ Credit — that actually specialize in bad credit car financing? If you have a low credit score, financing a car can be particularly challenging, but it’s not impossible if you’re aware of steps you can take to improve your chances of qualifying for a bad credit car loan. Let’s take a look at some of the best tips to help you qualify for bad credit car financing below!

Improve Your Credit Score

Your credit score is one of the most important factors in determining whether or not you’ll qualify for a bad credit car loan. It’s also a good indication of what sort of interest rate you’ll be offered. While it may take some time, there are a few steps you can take to improve your credit score. For example, paying your bills on time and paying down [...]

bad credit car financing

Are you in the market for a new car but happen to have bad credit? Don’t worry. You’re certainly not alone! A lot of people struggle with bad credit, and some may feel like they have limited options when it comes to taking out a car loan because of this. However, if you work with a dealership that offers bad credit car financing, you’ll find that the situation isn’t nearly as bleak as it seems. Let’s take a look at some of the benefits of working with a dealership, like Car N’ Credit, that offers bad credit car financing options.

Access to a Wide Range of Lenders

When you work with a dealership that offers bad credit car financing, you’ll see that there’s actually a pretty significant number of lenders available to you. Dealerships like Car N’ Credit have established relationships with various lenders — especially those who happen to specialize in bad [...]


Getting a car loan can be tough, especially when your credit score leaves something to be desired. Lenders know this, and some will, unfortunately, take advantage of those who have bad credit scores by engaging in predatory lending practices. Thankfully, by being aware of these practices, you should be able to avoid scams and predatory lending. Let’s take a closer look at some of the tips and tricks you should keep in mind below.

Watch Out for Red Flags

When applying for a car loan, you’ve got to remember to watch out for red flags that may indicate predatory behavior in a certain lender. Listed below are some red flags you should always keep an eye out for:

High-Interest Rates

Predatory lenders will often charge higher than needed rates, which can make your loan more unaffordable in the long run. While some situations do require a higher interest rate than others, you [...]

When you have bad credit, getting a car loan can be a long and lengthy process. In some cases, finding a loan institution that accepts your credit score can take months. However, not all hope is lost. With Car-N-Credit, you can get a bad credit car loan is minutes!

how-long-does-it-take-to-get-a-bad-credit-car-loanThe Typical Loan Process

Not a lot of people have the money to be able to purchase a car in cash. For most people, car loans are the alternative solution—allowing them to purchase a car and pay for it over time. In order to get a car loan, most people either find a car loan on their own or use one that is offered by the dealership. When searching on your own, you will have to apply for a loan and wait [...]

Buying your first car is a big occasion. Even if you have driven cars before, getting your own automobile for the first time is a completely different experience. A lot of time goes into picking a car best suited for your budget and preferences.

There are various aspects to keep in mind before getting a new vehicle. These include safety features, miles per gallon, seating capacity, and so on. If you’re not careful in considering these factors, you may end up eventually getting disappointed with your car. This makes the decision all the more crucial for first time car buyers. With this in mind, let’s look at the top five used cars for first-time buyers.

the-five-best-cars-for-first-time-buyers2017 Nissan Versa S Plus

The Versa S Plus boasts an array of features ideally suited for first-time car [...]

Buying your first car can be a challenging experience. Most first-time buyers don’t have the money to pay for the car upfront. So they need loans to acquire their new vehicle. But in most cases, getting a loan requires a decent credit history and rating. 

The good news is that you can still get a car loan even without a good credit history. Let’s look at how you can start planning for that first car.

Pick a Car

The first step in the process is to choose a car that suits your budget and preferences. When you have a vehicle in mind, go through its features. It can also help to know what other customers have to say about it, so take time to research and read reviews.


Walking into a car dealership with bad credit can set you up for an embarrassing situation. What happens if you aren’t approved for the loan? How can you know if you won’t be approved for a car loan? At Car-N-Credit, we have a loan guarantee program that can put your worries to rest. So if you have bad credit or no credit, you can rest assured that you will be approved for a car loan. 

Work with Multiple Credit Situations

At Car-N-Credit, we work with multiple credit situations. Our team believes that your credit score should not influence your ability to purchase a car. That’s why whether you have bad credit, no credit, or a poor credit history we will work with you.

how-will-i-know-if-i-will-be-approved-for-a-car-loanDifferent Loan Options Available

At Car-N-Credit, we offer a [...]


For people with bad credit, no credit, or poor credit history, getting a car loan can seem like it is outside the realm of possibility. However, that is not always the case. You can buy a car with bad credit without using a cosigner, and this article explains how. 

What Credit Score Do You Need To Get A Car Without A Cosigner?

Most financial institutions require a credit score of 650 or above in order to qualify for a good car loan. If your credit score falls below this score, many times they will require a cosigner for the loan. This consigner is the person who is responsible for the loan payment if you fail to pay them. However, for people who don’t have someone who can be a cosigner, this can come as bad news, but all hope is not lost. 

What Can I Do If I Have Bad Credit And No [...]

Purchasing a car is already stressful enough without having to worry about your credit history. Thankfully, guaranteed loans are available for individuals with bad or non-existent credit. The team at Car N Credit is available to help you get a guaranteed loan and purchase a vehicle.

What is a Guaranteed Loan?

For individuals who don’t have a credit history or who have a low credit score, getting a loan from a typical bank is difficult. Instead of relying on a bank, some dealerships offer customers guaranteed loans. A guaranteed loan is a promise of repayment on the loan by the dealership should the payer default. This means that instead of working with the loan institution, you work with the dealership to arrange payments. At Car N Credit, we offer guaranteed loans to individuals who live within a 60-mile radius of our dealership. 

Information Needed to Buy a Car with a Guaranteed Loan

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