How do You Finance a Car With No Credit or Bad Credit?

Mans Hand Reviewing Car Lease

If you’re in Hamburg and want to purchase a new or used car at Outten CDJR, don’t let your bad credit or no credit hold you back! While it may be more difficult, it is not impossible to get financing in Reading. Read our guide to see how financing a car with no credit can work for you.

Financing a Car With no Credit or Bad Credit

When you finance a car with bad credit or no credit, you’ll have a higher down payment and interest rate than someone with good credit in Schuylkill Haven. However, if you consistently make your monthly payments in the full amount and on time, you may be able to refinance your loan later on—bad credit financing doesn’t have to stay bad. When you finance a car loan in Pottsville, be prepared to have some extra money in your budget for higher costs and any unexpected maintenance your car might need in the future. Remember these tips when financing your car for the first time:

  • Revive your credit score. If you have bad credit, start working to build it back up again. Using your credit card on small purchases (such as gas or groceries) and immediately pay it off. This will help improve your credit score.
  • Know your budget and your credit score (if you have one). When you apply for financing, your credit score may drop. To avoid this, complete your loan application within 14 days.
  • Separate price negotiation from financing. The first offer isn’t the only one! Many dealerships go through multiple lenders. Shop around for the best price for you!
  • Ask questions and don’t assume financing is your only option. Don’t feel like financing a car is your only option. Ask questions and see if there are other options like leasing available to you.
  • Leasing might be a better option. See if the dealership offers a lease. These monthly payments could also be higher than an average lease, but cheaper than purchasing a vehicle.

If you decide to finance your vehicle, you can mitigate the cost of your new car by trading in your old vehicle and taking advantage of new vehicle specials or used vehicle specials.

Finance your car with Outten CDJR!

When you’re ready to finance your car, contact us and our staff will introduce you to our new and used vehicle inventory. Then, we’ll help you apply for financing with our finance center to make sure you’re getting the best price for your budget!

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16614 Pottsville Pike • Hamburg, PA 19526

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Today's Hours:

Open Today! Sales: 9am-8:30pm

Open Today! Service: 7:30am-7pm

Outten CDJR 40.538380, -75.975490.