How Can I Get Car Financing With a Bad Credit Score?

Hands Doing Calculations with Calculator

We would love to see you take home the car, truck, or SUV of your dreams. People often come to us and wonder how to get a car loan with bad credit. You have good news! Car shoppers can get bad credit car loans to help them get a vehicle that fits their lifestyle! When shopping for a used vehicle near Houston or Humble, we can help you figure out how to get a car with bad credit. Read our guide to find out more!

How to Get a Car Loan With Bad Credit

If you’re wondering how to get a car with bad credit, we will show you the basics. At some point, you can connect with our finance team. We’ll make it as easy as possible for you to secure a bad credit car loan. Get started when you apply for financing to get pre-approved. Then, work with our finance experts to figure out a payment plan that works for you.

What Steps Should I Take to Get a Bad Credit Car Loan?

If you’re thinking about getting a bad credit car loan, you need to figure out a few things beforehand so you can ascertain if this is the right choice for your situation.

  • Determine how much you can afford to pay. This amount must be more than how much you could afford to borrow for the loan. Think about annual registration fees, car insurance, maintenance costs, and fuel costs. You’ll also need to figure out how much the vehicle will cost in proportion to your other expenses, such as your food, home, and other weekly and monthly expenses. 
  • Make a bigger down payment if possible. If your credit isn’t great, a larger down payment will help lenders to see you more favorably. Additionally, a larger down payment means you’ll have a smaller loan balance to pay off. You’ll pay less interest throughout the loan. You’ll have a lower monthly payment with a larger down payment, making your monthly expenses more manageable.
  • Try to clean up your credit report before applying for a bad credit car loan. If you catch any errors in your credit history report, you should absolutely dispute them. Errors could drag down your credit score. If you have any outstanding debts, start paying them down where possible. Even making a small dent can help raise your credit score, which can get you a lower interest rate. Lower interest can lower your car payment. 
  • Be honest about what kind of car you should buy. Your focus should be financing a car with an affordable payment, even if it’s not your dream car. You’ll need a vehicle you can afford to take care of in the coming years to get the most out of your investment.
  • Shop around with lenders. Don’t assume that the first lender to approve you will be the only one. Apply with a handful of lenders, so you can compare the rates of those who approve you. You may find you’ve got some options because different lenders have different standards for financing.

How to Get a Car Loan with Bad Credit: Improve Your Credit Score

Many people don’t realize this, but if you take out a bad credit car loan and consistently make your payments on time every month, it will actually help you to improve your credit profile and credit score. You’ll have more lending power in the future, and your loans may get lower interest, better credit card terms, and future auto loans.

Finance a Car with Bad Credit in Porter

Ready for the next steps? Secure a bad credit car loan at Arriba Motors near Sugarland through our finance center. Need help with the down payment? Value your trade to see how we can help. You can put that trade-in towards the purchase of your next vehicle. Contact us or call 281-747-5844 for more information. 



Browse Pre-Owned Vehicle Specials Inventory


See Full Pre-Owned Vehicle Specials Inventory
Arriba Motors 30.109978753849777, -95.23346460053837.