How to Get a Car Loan with Bad Credit

Man and Woman Signing Contract

 

It’s been a rough few years for a lot of Peoria-area drivers, so it’s not uncommon for the finance team at Avondale Nissan to get questions about how to get a car loan with bad credit. While thinking about how to get a car with bad credit might fill you with anxiety, don’t let it! We’re here to help you get into a vehicle that works with your budget, with a loan that can help improve your credit score. Find out how!

How to Get a Car with Bad Credit

Phoenix shoppers in search of how to get a car loan with bad credit often turn to Avondale Nissan because we make it possible to get a loan even with bad credit. Get started when you apply for financing with us. We’ll do the work of shopping for the best loan rate available to you. That’s the first big step in how to get a car with bad credit. Then we’ll work directly with you to devise a payment plan that works for your budget.

Take These Steps to Get a Car Loan with Bad Credit

If you’ve struggled with finances in Surprise, you might feel like you don’t even know where to start when it comes to how to get a car with bad credit. Just keep in mind that, when you do get a car loan with bad credit, you not only get the transportation you need, but you also get the opportunity to repair your credit score. Making all your auto loan payments on time will help you build credit, making future purchases easier. Here are the steps to get to that stage:

  • Determine how much you can afford to pay for your car: Consider now only how much money you need to borrow, but also annual registration fees, car insurance, maintenance costs, and gas prices. 
  • Make a bigger down payment if possible. This tells lenders that you’re serious about purchasing a car. The amount of your loan will also be smaller if you make a larger down payment. It’s easier to get approved for a smaller loan, and your monthly payments will be less.
  • Try to clean up your credit report before applying for a loan. Thoroughly review your credit report. If you find any mistakes, disputing them needs to be high on your priority list. Make sure you’re paying down your other debts on time. Even small improvements can overall help your credit score.
  • Be honest about what kind of car you should buy. This isn’t the time to go for your dream car. It’s time to get a vehicle that fits your budget and needs for the next few years. Start your shopping in our budget inventory.
  • Shop around with lenders. If you’ve applied for financing with us, we’ll shop around for you. But you should apply at several lenders to compare their rates. 

Finance a Car with Bad Credit at Avondale Nissan Today!

At Avondale Nissan, we’re ready to help you get the car you require at a price that fits your budget, no matter what your credit score. Contact us with any questions you have about how you can get car financing with a bad credit score. Our team is here to help!

More from Avondale Nissan

  • Compare the 2024 TITAN and TITAN XD

    The Nissan TITAN is a powerful truck that offers a standard 400 horsepower thanks to its 5.6L Endurance V8 engine. If you’ve recently been looking at this truck though, you might not be aware of the differences between the normal TITAN, and the closely named TITAN XD. While these trucks are incredibly similar, they have…

  • Nissan Electric Vehicles Throughout Time

    In recent years, due to environmental concerns, economic concerns, and pertinent legislation, the market for electrified vehicles (EVs) has exploded. Most would believe that the market for EVs is a recent thing, but Nissan has been manufacturing electric vehicles since 1949. If you are looking at getting an EV in or around Phoenix, Scottsdale, or…

  • Best Nissan Models for Families

    If you’re looking to upgrade your ride for a growing family, you’re sure to find several Nissan models to meet your needs. You can drive around Avondale, Glendale, and Phoenix in style in any of the family Nissan models. Nissan Models With Three Row Seating One of the main features for larger families when they…

Get Directions

10305 W Papago Freeway, Avondale, AZ, 85323
Avondale Nissan 33.459647, -112.284402.