Mark Hergert CEO

Auto Credit Financial 

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Why Pre-Approval is Better!

 When you start car shopping, you’ll have many decisions to make. Choosing the right vehicle can seem overwhelming, but choosing the right financing doesn't have to be.

 

Getting pre-approved before you head to the dealership is a great way to help you save money and have a better shopping experience.

 

So why is getting pre-approved so important? Let’s take a look...

 

Stronger Negotiating Power:

When you get pre-approved for a loan before heading to the dealership, it gives you stronger negotiating power. You won’t be tied to any specific dealership’s financing department, and can take your business elsewhere if you feel a different dealership has what you need. Dealers know this, and will be forced to work harder to earn your business.

 

Focus on the Car:

Car shopping should be fun! It should be about the cars, and getting pre-approved before you go car shopping allows you to focus your attention solely on the vehicles. You can think about specifics like color, engine size, cloth vs. leather, infotainment technology, sunroofs, two-door or four-door, interior size, and a myriad of other features. You have enough to think about already, so don’t distract yourself with the details of financing while you’re on the car lot. Get pre-approved and free up your decision-making energy for the vehicle itself.

 

Streamline the Process:

Getting pre-approved can significantly streamline the buying process. You’ll know that you are approved before you ever step on to the lot, and you’ll also have a better idea of what you can afford. Because the financing is already been taken care of, you won’t have to wait (potentially hours) for the dealer to work it out.

 

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Auto Credit Financial is your source for excellent loans no matter what your credit score.

Let us help you have a wonderful car shopping experience with our quick and easy pre-approval process. Fill out a Pre-Approval Form now and we’ll get started right away!

You can also browse our Large Inventory of high-quality vehicles from multiple dealerships in your area, giving you access to the right car for your needs and your budget. 

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When the economy collapsed many dealerships started to sell less and less cars. Now that things are eventually getting back on track, and the economy is starting to show some signs of growth for the first time in years, many dealerships are offering 0% financing on auto loans to try and get consumers to start buying again. Thus now is the perfect time to buy a new or used vehicle.

Many people realize this and are starting to shop around for vehicles. The unfortunate thing for these prospective buyers is that, not many realized just how bad their credit rating got during the recession and as a result they are now learning first hand just how hard it can be to obtain automobile financing.

If you missed a few down payments her and there, perhaps because you got laid off for a couple of months (like many people did when the economy collapsed). All of a sudden your credit rating turned from prime credit to sub-prime. 

This often comes as a shock to many prospective buyers, and their new found bad credit often puts the brakes on their ambition to purchase a new vehicle. Banks are now even more reluctant to hand out loans to people with sub-prime credit since careless lending was one of the major factors that led to the collapse of the economy in the first place. 

However now that the economy has started to show signs of improvement and America is finally waking up from a long and hard recession, your circumstances may have changed as well. Perhaps you got a new job, and are starting to get back to the good financial position you once were in. Unfortunately, and often unfairly, the bad credit tag remains as the scar of the hard times.  

There has been so much bad news during the past few years, but I am finally going to give you some good news. Just because your credit rating dropped and you now have bad credit does not mean you won’t be able to obtain a (very) good deal on automobile financing

 Auto Credit Financial is helping people with bad credit to restore their credit rating to its former glory. Auto Credit Financial realize things has changed since 2007 and are willing to help people with bad credit secure affordable, low interest, automobile financing. 

You can visit Auto Credit Financials website, make use of the online auto credit calculator to calculate exactly how much your down payments will be. You will be surprised to see just how good a deal they offer even with your bad credit rating.

After you calculated your monthly premiums you can apply to get your pre-approved auto credit loan. If you have a stable monthly income chances are your application is going to get accepted.

With your pre-approved auto credit loan you can now start shopping around for new or used cars. There are so many choices when it comes to buying a new vehicle and often sellers will try to rip you off, especially if you are trying to buy a used car. 

To be on the safe side, and to make sure you are buying a reliable used car at the best possible price. I would recommend you to make use of Auto Credit Financials extensive network of new and used cars. 

Auto Credit Financial can help you find a great car at an affordable price; there are real bargains to be found on their used car network which offers used cars for sale from across the country. Auto Credit Financial will also help you to investigate the used cars history to make sure you are buying a solid, reliable and trustworthy vehicle.

Conclusion

As mentioned above, now is the perfect time to buy a new vehicle, Auto Credit Financial can help you get affordable bad credit automobile financing, help you to improve your credit score and you can even use their website to browse 1000's of cars for sale throughout the country. That in a nutshell is why Auto Credit Financial is one of the most respected bad credit lenders in the country. Visit their website today to get your new wheels and start to improve your credit score.

 

©Mark Hergert
Blog posted from Los Angeles, CA, USA View larger map
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There are millions of people with a bad credit rating. Should you have a bad credit rating don’t feel bad about it, you are certainly not alone. Bad credit can happen to even the smartest of people. The good news is, over some time and smart decisions on your side you can turn that bad credit score into a good credit score.

However it does take a bit of time for your credit rating to improve and should you need financing for a new vehicle you may not necessarily have the time to wait for your bad credit status to change.

Don’t despair though, millions of people with bad credit get accepted for automobile financing every day. 

 As you may, or may not, know there are many different ways you can get automobile financing with your bad credit rating. 

Before I am going to advice you how to get a bad credit auto loan, you have to know that you need to have an income which is sufficient to pay the premiums on your new auto loan, as well as all other expenses you have during the month. 

Also calculate gas, maintenance work on the car, insurance and any other variables into your budget before you decide to apply for your auto credit loan, so that you know you can afford it! 

After all you want to improve your credit score and not damage it even further by missing down payments.

So before reading further, grab a pen and paper and work out a budget. Do this by subtracting all your monthly expenses from your income. 

The key to financial success is to plan and budget accordingly, fail to plan is planning to fail. Keep that bit of simple advice locked in the back of your mind.

Ok so you made a budget and it shows that you can comfortably afford the monthly down payments on a new auto credit loan. If that is the case clearly your financial situation has improved and it is now time to start rehabilitating your credit score.

At this point you are probably thinking to yourself, “this is all good and well but how am I going to get financing with my bad credit score?”

Here is the answer. Auto Credit Financial is going to be your best choice when it comes to securing automobile financing with a bad credit score. They specialize in helping people with bad credit to get automobile financing. As a responsible bad credit lender they will even help you to improve your credit score.

Unlike many other bad credit lenders, Auto Credit Financial offers low and affordable monthly premiums ensuring you get a great automobile financing deal even with your bad credit score.

When you are ready to apply for your new auto credit loan, visit their website and speak to one of their bad credit financing experts to see how Auto Credit Financial can help you.

©Mark Hergert
Blog posted from Detroit, MI, USA View larger map
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Unless you have a substantial amount of money in your savings account or have heaps of cash stashed away under your mattress. Chances are you won’t be able to buy a new vehicle without some sort of financing.

Your first choice for automobile financing will probably be a bank or credit union. However if you have less than desirable credit I can already tell you what the answer is going to be. Not many people meet lending criteria to obtain automobile financing through these institutions.

So if you are one of those people who do not qualify for a loan through a bank or credit union, where do you turn and what do you do to get that new vehicle you need?

Auto Credit Financial offers affordable automobile financing for everyone, even people with bad credit. This spares you the embarrassment of walking from dealer to dealer asking, “I have bad credit can I get financing?” This is just downright degrading and embarrassing to say the least.

Safe yourself the embarrassment and go straight to Auto Credit Financial. You can apply for bad credit automobile financing through Auto Credit Financials website, completely free of charge. Auto Credit Financial will give you an answer within minutes and will even help you find a new or used car through their extensive network of cars for sale throughout the county.

As mentioned above the application process is fast, convenient and hassle free. Regardless if you have bad credit or even no credit Auto Credit Financial has a financing option for you. With their Click, apply drive philosophy you can get a new set of wheels in no time, sparing you the hassle of being without a car while paper work is getting pushed around.

Being the best in the business Auto Credit Financial does not only supply you with automobile financing. No! They will even help you to improve your credit score by keeping record of your timely monthly payments. This is off-course key when it comes to improving your credit score. They will also help you to find a great car at an even greater price with their network of 1000s of cars throughout the country.

 

Give Auto Credit Financial a try and let them help you find the right, car and automobile financing option for you. It is as simple as click, apply and drive.

©Mark Hergert
Blog posted from Detroit, MI, USA View larger map
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Do you want to apply for a bad credit auto loan? Are you worried that your bad credit score will lead to your auto loan application getting declined? Auto Credit Financial is one of the leading bad credit auto lenders out there. Auto Credit Financial offers a near 100% acceptance rate on bad credit auto loan applications. Auto Credit Financials’ unique financing options make securing bad credit automobile financing easy and hassle free, regardless of your bad credit history.

With Auto Credit Financials’ simple application process even lenders considered as, high risk, can qualify for automobile financing, whether you have no credit or a bad credit score we have an affordable financing option for you.

If your application for automobile financing has been turned down by banks, dealerships, credit unions or any other lending institution, because you may have had past bankruptcy or other financial problems Auto Credit Financial can help you.

As mentioned above Auto Credit Financial welcomes all applicants regardless of financial background. When applying for automobile financing through Auto Credit Financial you can rest assured you are in good hands and will thus receive the best financing option for your unique situation. As a responsible and reputable lender Auto Credit Financial is willing to give applicants a second chance to help them get back on their feet.

At Auto Credit Financial we put, you, the customer first. Unlike many other bad credit lending institutions we will provide you with exceptional customer service guiding you through every step of the application process so that you know exactly where you stand. 

Auto Credit Financial genuinely wants to help you get a good financing deal. Therefore we offer some of the best deals on pre-approved auto credit loans, offering low interest rates and flexible and affordable monthly repayments. Depending on the financing deal you can repay your auto credit loan over a period of 36 to 72 months.

We at Auto Credit Financial realize that mistakes happen and understand how difficult it can be to overcome certain obstacles due to a bad credit score. That is why Auto Credit Financial helps 100s of subprime lenders daily to get the automobile financing they need. Visit Auto Credit Financial today to get your pre-approved auto credit loan and let them help you get back on the road.

 

 

©Mark Hergert
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Knowing that you have a bit of a credit problem might make it very difficult for you to get financing through banks or credit unions. Banks are Tier 1 lenders which mean they are only willing to approve loan application for people with prime or good credit scores.

When you know you have a bad or very bad credit you will have to consider an alternative option. You will have to find automobile financing through a lending institution that specializes in helping people with bad credit scores to get approved for auto loans.

Making use of a lender who specializes in bad credit loan applications will make your life much easier and safe you a lot of hassle and embarrassment throughout the application process.

 So if you are unsure if you should apply for your automobile financing through a bank, credit union or bad credit lender here is a rough guideline of different credit scores. First find out your credit score then have a look through the following table and find out where you stand in terms of your credit score, so that you know the different options available to you.

Credit Score

Status

Options

700+

You have  prime credit

Banks, credit unions or any other tier 1 lender.

670+

You have good credit

Same as above

610+

You have subprime credit

You will be able to secure financing, albeit at a slightly higher cost.

490 - 570

You have bad credit

Consider alternative options, find a lender that specializes with bad credit financing.

 

Hopefully by now you have found out your credit score and know in which category you fall under. If your credit scores falls under the last row in the table (490-570) you will need to find a lender who specializes in bad credit automobile financing.

Auto Credit Financial is a bad credit lender who works with people whom have bad credit scores. Auto Credit Financial can help you rebuild your credit and will work out a financing option that is right for you. Premiums are affordable and come with low interest, even if you have bad credit. You can even make use of the loan application calculator on their homepage to see exactly how much your monthly premiums will be, before you apply.

Visit Auto Credit Financial today and let them help you work out an automobile financing option that will work best for you.

 

 

 

 

 

©Mark Hergert
Blog posted from Chicago, IL, USA View larger map
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Question Submitted by Michael

I will be honest I have a bad credit rating having had some issues with re-paying loans in the past. However I have learnt my lesson and I am looking for someone who will give me a second chance.

 That being said I have heard some real horror stories regarding bad credit automobile lenders. I am looking for some advice to try and get a good deal even with my bad credit score. While I realize I will be paying a bit more interest on my loan than prime lenders, I want to try and steer clear of those astronomical interest rate loans where you end up paying back 3 times more than you borrowed. Any tips or advice would be appreciated.  

Answer

There are so many bottom-feeders out there, that are ready to pray on you with your bad credit, and take advantage of your unfortunate situation.

These horror stories regarding auto credit loans gone wrong which you are referring to in your question are often because these auto credit lenders say something, that sounds amazing, but then the fine print says something completely different.  Add “astronomical” interest rates to the mix and you are bound to expect repeated calls and threads of repossession when you are a few days late on repaying your auto credit loan.  

As a general guideline be more wary of auto credit lenders that insist you must buy your new vehicle through their partner dealerships.  As you can imagine when the dealership partners with an auto credit lender the dealer will get a kickback, which is a payment made to the dealer facilitating the transaction. However you will end up paying for this as the “fee” will be concealed in the price of the vehicle.

How to stay away from bad auto credit loans:

Option 1: Banks and credit unions

Your first step will probably be to apply for automobile financing through your local bank or credit union. Banks and credit unions are historically the best options for obtaining automobile financing, but it can be difficult to get an auto credit loan approved through them, unless you have a very good credit rating.

You mentioned in your question you have a bad credit rating so likely option one is not going to work for you. What I am going to say next is something you probably don’t want to hear but possibly there is a reason why the banks declined your application for a credit loan? It is always a good idea to rethink your priorities and try to pay cash for something you want. Now that I got that off my chest I realize it is not always a feasible option to everyone.

Option 2: Finding a good bad credit lender

Finding a good bad credit lender is easier said than done. However I too have struggled in the past with a bad credit rating and can sympathize with your situation. The good thing is from experience I can recommend you a good bad credit auto lender.

Auto Credit Financial is the exception

Auto Credit Financial is the exception when it comes to bad credit auto lenders. They offer affordable automobile financing options with reasonable interest rates. It is extremely rare to find a bad credit lender that will report your timely monthly payments to credit unions yet that is exactly what Auto Credit Financial does for their customers and that is how they helped me to improve my credit rating.

Conclusion: 
If no credit union or bank will help you to get automobile financing and you cannot afford to pay cash for what you want Auto Credit Financial is your best bet when it comes to “safe” affordable auto loans. They have been in the business for years with a proven track record. You can check out their website here. Remember responsible lending and timely repayments are the key to improving your credit score. Good Luck!

 

 

 

 

©Mark Hergert
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Getting automobile financing will heavily depend on your credit score. The tough financial times Americans experienced in recent years damaged many people’s credit rating.  This is always going to make it a bit of a struggle for many buyers to get, affordable, low interest rate financing on a new or used vehicle.

Therefore it is essential to understand exactly where you stand with regards to your credit score as your credit score is usually the most significant factor when it comes to securing automobile financing. It is important to understand how you can improve your credit rating to help you get a better deal when it comes to automobile financing

Check your credit score to find out for what sort of loan you can qualify for. A score of 700+ is considered good to excellent, where a score of less than 600 makes you a sub-prime lender.  The latter might still be enough to get you financing but expect higher financing rates than prime borrowers would have to pay.

There are numerous options out there for sub-prime Customers with a bad credit rating. Unfortunately, as mentioned above, you can expect higher financing costs. However this is not always the case as there are a few excellent bad credit lenders out there you just need to know where to find them.

Auto Credit Financial is one of the leading bad credit lenders out there. They have a proven track record having helped many people rebuild their credit scores, by providing affordable, bad credit auto loans.

When you need a car sooner rather than later even with your bad credit rating visit Auto Credit Financial today. They provide an impressive array of services on their website. You can apply for an affordable pre approved auto credit loan. After you applied you will receive an answer within minutes to see how much you qualify for and what your monthly down payments will be. However it does not stop there. Once you got your auto credit loan approved you can now make use of their extensive network of new and used cars to find the perfect car for you.

There are real bargains to be found and should you decide to go with a used car Auto Credit Financial will even help you check the cars history to make sure you are buying a solid reliable vehicle.

Now that you got your auto credit loan approved and found a car or truck that is right for you it is time to start rebuilding your credit score.

There are numerous things you can do to improve you credit score in no time. The most obvious is to make sure you always make your monthly repayments on time and pay of as much of your loan as quickly as you can.

Auto Credit Financial will keep record of your timely repayments and pass this on to credit unions, thus they can also help you to improve your credit rating.

To conclude, just because you have bad credit does not mean you have to settle for expensive financing with sky high interest rates. Auto Credit Financial can help you get an affordable auto credit loan, help you get a good deal on a new or used car, and they can even help you to improve your credit rating.

To settle for the rest when you can go with the best, visit Auto Credit Financial today.

 

 

 

 

©Mark Hergert
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Auto Credit Financial is one of the best in the business when it comes to helping people, with bad credit to secure an auto loan. At Auto Credit Financial we work tirelessly to help prospective new or used car buyers obtain automobile financing.

 We realize no one is perfect and sometimes mistakes happen, even to the best of us. Therefore at Auto Credit Financial we believe everyone deserves a second chance when it comes to automobile financing regardless of financial background.

While many banks, credit unions or dealerships are less sympathetic when it comes to approving auto credit loans to people with bad credit scores. Auto Credit Financial is different. We want to help those in need of automobile financing to get that car or truck they deserve.

Our expert staff off credit advisers deal with 100's of bad credit automobile financing applications daily, and are some of the best in the business. Auto Credit Financial has experience working with individuals with bad credit rating. We are firm believers in the philosophy that everyone deserves the car they desire and credit rating should not be a stumbling block when it comes to obtaining automobile financing.

Not only can we at Auto Credit Financial help you obtain a bad credit loan, we can also help you improve your credit rating, which is very important since it will certainly make life much easier for you in the future.

Auto Credit Financials service is second-to-none. We realize each individuals needs are different, therefore we provide exceptional client service by providing assistance and guidance through every step of the application process until you get your new vehicle. Regardless of financial background Auto Credit Financial has financing options to suit you.

Bad credit auto loan application can become a long, complicated, drawn out process however it does not need to be that way. At Auto Credit Financial bad credit auto loan applications are made simple and hassle free. We have been in the automobile financing business for more than 25 years and therefore we are able to help you secure some of the most affordable, low interest rate auto loans out there. We evaluate each auto credit application in a fair and unbiased way, since we realize each individual’s circumstances and needs are different.  

 Auto Credit Financial can even help you to find an affordable low mileage used car through our extensive network of new and used cars throughout the country. Should you decide to buy a used car we even help you to find out about the used cars history, making sure the car you buy is reliable and trustworthy.

For more information on how Auto Credit Financial can help you find bad credit auto loans, visit our website today.

 

©Mark Hergert
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Yes having bad credit is never nice. It can definitely hold you back to apply for anything from a credit card to automobile financing. However try not to see your bad credit as bad, be an optimist!

Your bad credit is not the end of the world and there are many alternatives out there. Just because you have bad credit does not mean you will never be able to finance a vehicle. This is often a costly misconception. Now that you know you have bad credit, a loan is just what you need to help you start building up your credit score again. That being said not many banks or lending institutions are going to give you a second chance. Historically these institutions will only accept loan application from people with a good credit score.

Looking at alternatives options.

You need to consider alternative options when it comes to secure financing, with a bad credit score. Fortunately there are many lending institutions that are willing to give you a second chance and help you rehabilitate your credit score. Just a word of causation though. There are two types of bad credit lenders.  You will need to know how to separate the good from the bad. 

Bad, Bad Credit Lenders

I refer to these organizations as bottom feeders; these vultures take advantage of the most vulnerable of people. They carelessly hand out loans with sky-high interest rates. Once you miss a payment you will start getting nonstop calls and repossession will soon follow. Just for them to sell the car to the next sucker out there.

Good, Bad Credit Lenders

These are the types of lending organizations you want to make use of. A good auto credit lender will tell you everything you need to know. They will work with you, to work out a financing option that works best for you. They offer help and advice on how to rebuild your credit and are willing to take your hand to help you get back up on your feet again.

One such organization is Auto Credit Financial they are willing to lend you a hand and help you get back on track with your bad credit rating. Over the years they have helped 1000s of people with bad credit ratings to get affordable alternative automobile financing options.

Auto Credit Financial offers reasonable premiums which you can pay off over a period of 36 to 72 months. Not only do they provide you with reasonable and affordable financing options but they will also help you to improve your credit rating by offering advice and keeping record of your timely monthly payments.

Take the first step to secure automobile financing, and start improving your credit score by visiting Auto Credit Financials website today to see how they can help you.

 

 

©Mark Hergert
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Are you looking to urgently secure automobile financing, but don’t want to apply because of your bad credit score? Are you worried that your auto credit loan will get declined?

Well stop worrying. Auto Credit Financial is one of the internet’s leading auto credit lenders; they specialize in helping people with bad credit scores, who might temporarily be going through a bit of a hard time financially. They can provide cheap and affordable loans to first time buyers, should you have no credit history, or to people with bad credit scores

 

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Application is simple and hassle free and you will get an answer within minutes!

Auto Credit Financial wants to help you find the right auto credit deal that is why they have an almost no rejections of auto credit applications!

There are no special eligibility criteria at Auto Credit Financial -regarding auto credit loans. You only need to be a US citizen with a regular income. You should be above 18 years of age and have an active bank account that’s all!

To further ease the process, you can fill in the FREE application form available on their website and get an answer within minute.

Once you received your answer you can now go on and start searching for a new or pre owned car. Auto Credit Financial has a huge network of new and used cars. You can score some great deals on their used car network and I strongly advise you to have a look through there.

However it does not stop there. Should you decide to purchase a pre owned vehicle Auto Credit Financial even helps you to check the vehicles history!

Too often used cars took a bit of a beating over the years and then dealers try to cover it up by making it sound as if it is the deal of a lifetime. They do this by adding a pretty picture and “impressive description”. However by making use of Auto Credit Financials huge selection of new and used cars, and then checking the cars’ back ground you simply can't go wrong!

 

Visit Auto Credit Financials homepage today, to get your pre-approved loan, and let them help you find the right car for you.     

©Mark Hergert
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in Bad Credit Auto Loan 1923

At Auto Credit Financial, we make securing an auto credit loan easy and hassle free. We do not want you to worry about getting automobile financing when you need a new car.

Considering  to apply for a loan.

You certainly will have numerous questions and concerns when wanting to apply for an auto credit loan. Will I qualify for the auto loan?  If yes, how much will my monthly premiums be?  You might think - can I even afford to buy a new car or truck during these tough financial times?

These are all reasonable concerns. At Auto Credit Financial, we will help you to answer these important questions, guiding you every step of the way, helping you get  affordableautomobile financing .

The application process

The first step in finding automobile financing with a bad credit score is to know precisely where you stand in terms of your credit rating.  I say this because, new or used car dealers will examine your credit rating when you apply for an auto loan. If you visit Auto Credit Financial’s website they can help you find out exactly what your credit score is.

Knowing exactly what the banks or automobile financiers will see when you apply for automobile financing, you can take corrective actions to help improve your bad credit, thus giving you a better chance to secure an auto credit loan.

You can also fill out an application form on Auto Credit Financials website to apply for an auto credit loan. You will get an answer within minutes. Should your application get approved they can even help you to find  a car that is right for you by making use of their extensive network of new and used cars.

Let me recap that, you can check your credit score, apply for an auto credit  loan, and even find a new or used cars all through Auto Credit Financials website.   

I have a bad credit score?

Simply because you have a bad credit rating does not mean you will not be able to obtain the auto credit loan you want. Auto credit Financial specializes in helping people with bad credit ratings to secure automobile financing. An Auto Credit Financial expert will help you figure out the best, bad credit, auto loan option for your unique situation.

With the help of our automobile financing experts, you will find out just how much you will need to borrow prior to you buying your new vehicle.

 It does not stop there Auto Credit Financial will even help you to rebuild your credit score by giving you sound financial advice and keeping record of timely monthly payments. 

Conclusion

 

As mentioned above, simply because you have bad credit does not mean you can not get automobile financing. There are numerous options out there for bad credit automobile financing .Often the choice can be overwhelming. However my advice would be to go with a lender who has a proven track record in helping people to find affordable bad credit auto loans. Auto Credit Financial has been in the business for years and by making use of their service you can rest assured you are in good hands. Visit their website today and let them help you find the best financing option for you!

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in Bad Credit Auto Loan 2001

As a financial adviser it is part of my job to help people with their budgets.

 

I am writing this post to give you some expert advice, to tell you exactly how to secure automobile financing with bad creditTrue, it would probably be the best option to scrape aside a few hundred dollars and buy an old rusty truck, but not many people are willing to do that in today’s day and age, where you often get judged on the type of vehicle you drive.

 

So if you are one of those people who will just not settle for an old wreck - even with your bad credit rating, read on. Getting a new car with bad credit is just a matter of a few simple steps. Here they are.

 

Step 1 - Find out what your credit score is, know where you stand.

I will advise you to go to  Auto Credit Financials homepage and look for the link where it says free credit report , and yes you truly get a free credit report without paying a dime

Usually most new car dealers and used car dealers will be willing to work with you if you have a credit score of around 650+. Do you? Well then move on to Step number 5, if not don’t worry   just continue reading and find out how you can get an auto credit loan with your bad credit rating.

 

Step 2 – Co-signers

Do you have a mom or dad with a solid credit history? Friend or close family member?  If so ask them to co-sign your auto credit loan application. If you bring a co-signer into a car dealership with a solid credit history you will easily get your auto credit loan approved and drive away in no time. Too proud to ask huh? No worries move on to step 3.

 

Step 3 – Find a Good – Bad credit dealer.

Find an auto credit lender that specializes in giving people with bad credit scores a new ride, but also make sure the auto credit lender understands and accepts your unique financial situation. 

Here is an example:

If you had a recent foreclosure, debt that is still collectible or had a repossession in recent times find an auto credit dealer that advertises they are willing to work with customers who has debt problems.

 

My advice, Auto Credit Financial is one such dealership, visit their homepage and find out how they can help you with automobile financing. Auto Credit Financial will tell you all you need to know about your average monthly down payments and bad credit interest rates, which is surprisingly not too high.  

 

Step 4 –Budget and pay on time 

OK so Auto Credit Financial is sympathetic with your situation and willing to grant you an auto credit loan. Now the ball is in your court. I often find people making the mistake of buying a car which they can’t afford. Often people are over focused on payments and think “I can easily afford a $500 a month premium” forgetting about the bigger picture. Remember you still have numerous other expenses apart from your monthly auto credit loan repayment.

 

My advice to you is - find a nice, reliable car that is not too expensive, that will get you around for a couple of years and never finance anything over 36 months!

You now have the chance to get that new ride, so don’t go overboard and remember to make your monthly repayments on time as you also now have a chance to get rid of your bad credit rating.

 

Step 5 –Improve your bad credit score

When I help clients with their budgets, who have bad credit ratings, I tell them “make sure this bad credit loan is your last!”

Start chipping away on that bad credit rating - As mentioned above make sure to pay your monthly premiums on time and even try to pay the auto credit loan of before the due date. This will give a tremendous boost to your credit rating.

 

CONCLUSION

 

As you would have noticed after reading this post, getting a bad credit auto loan is not impossible. Thanks to Auto Credit Financial who are always willing to help. Yet as a finance guru, I would have to advise you to try and get your credit rating improved as soon as possible as this will save you a lot of money, and embarrassment in the long term. Live, life with good credit!

 

 

 

©Mark Hergert
Blog posted from San Francisco, CA, USA View larger map
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in Bad Credit Auto Loan 1949

There are lots of excellent automobile financing choices out there, but sadly for individuals with poor credit the choices are limited.

Look at all the, 0% interest automobile financing offers on new cars currently being offered by numerous of the leading car manufacturers these days, like General Motors and Ford.

 Both often drop the big 0 before many of their automobile financing deals, but without having a good credit rating, for instance 700+, you could quickly end up on the short end of the stick.

Automobile financing with bad credit

Plenty of dealerships even offer alternative financing options when it comes to people who do not meet their zero percent automobile financing criteria, yet these alternative financing options lack the appeal or benefits that made you enter the dealership in the first place.

An alternative option might be to try and get automobile financing through banks or credit unions.  Having said that, these choices may not be available to you, in case you have bad or sub-prime credit.

In case you are in need of automobile financing and you have bad credit your best choice is going to be, to go with, an auto credit lender that specializes in bad credit, giving you the most options. 

Auto Credit Financial works with you, to provide affordable, bad credit, automobile financing options!

The advantage of Auto Credit Financial is, not only do you receive an affordable rate but they offer a way to restore your credit rating.

Apply for an Auto Loan Online

Even if you have bad credit and want to obtain automobile financing, or even if you put zero down, we have an automobile financing options that can work with you, rather than against, helping you get back on the streets with your new ride in no time.

With Auto Credit Financial’s extensive network of new and used cars throughout the country you are sure to find some great deals. Apply for automobile financing  for your new vechile and you can get approved within minutes!

 

Visit Auto Credit Financial and fill out an application form today! It is as simple as click, apply and drive.

©Mark Hergert
Blog posted from Grand Rapids, MI, USA View larger map
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in Bad Credit Auto Loan 1843

Question

I finished college a couple of years back and have defaulted on my student loans. Am I doomed forever? I would like to buy a new car and would like to find out if it would be possible for me to finance a car with my bad credit?

Answer

First off ask yourself do I really need a new car, and has my financial situation since improved to such an extent that I can now afford to take out and repay a loan?

If you answered yes, then there is hope for you. You are certainly not doomed forever as you mentioned in your question and there are some institutions which will help you find an auto loan even with your bad credit score. However often it can be a difficult choice to decide which bad credit lender to make use of. You now have to go about rehabilitating your credit which means you will need to get a loan and ensure you make your monthly repayments on time. A very important choice when it comes to choosing a bad credit lender is to find one that will work with you rather than against. You want to find a bad credit lender who will report your timely monthly repayments to the credit unions. This will ensure, over time that your credit rating will start to improve.

Not many bad credit lenders will do this however but there are a few. One of them is Auto Credit Financial. They are willing to give you a second chance and are willing to help you improve your credit rating by reporting your timely monthly repayments. They also offer some of the best low interest, bad credit, auto loans out there. Applying for your auto credit loan is a straightforward process and you will know within minutes if your loan is approved or not.

Another piece of advice I can give you is to try and pay off as much off your auto credit loan as quickly as you can. This will also give your credit score a tremendous boost.

I hope you found this advice helpful

Good luck

 

 

 

 

©Mark Hergert
Blog posted from Traverse City, MI, USA View larger map
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in Bad Credit Auto Loan 2056

A couple of months ago my old trusty Datsun truck finally gave in. It’s funny how you develop a relationship with your car/truck over time. I had my Datsun since I was 17 and drove it till after college. We shared so many good (and bad) memories together. It is in my Datsun that I first kissed the girl of my dreams, while we looked out over lovers’ lane. That road trip, after high school with my mates in the back of my truck I will never forget.

Although old and unfashionable I loved my truck but as everything in life there comes a time when you have to let go, and after 10 years of loyal service, I had to finally say my goodbyes. Laugh all you want at this but I loved my truck, I really did.

Anyway I was suddenly faced with a bit of a problem. I tried to apply for automobile financing through numerous banks but all my auto credit loan applications got declined because I had  no credit rating. Jeez, what do you expect from a guy who just finished college? I was a poor student still looking for my first job. Like most students I had very little money to my name thus buying a new or used car was not something I could afford. I was in need of automobile financing but no one wanted to approve my loan. I really needed some wheels.

It started getting very embarrassing having my mom drop me off at my girlfriend's home and then my girlfriend driving me back home again. I started to worry just a bit. I needed to find an auto credit loan and fast!

I did ask my dad to lend me some cash, but his answer was we spent a small fortune on your student loan already – I felt bad about this so I was not going to push him.

Then it occurred to me. My friend Andrew, who was not much better off financially than I was at the time, recently bought a very nice used car. How on earth did he manage to get an auto credit loan, I thought to myself?

I decided to give Andrew a ring to find out how he managed to get automobile financing for his used truck. He said I could have saved a lot of effort for myself had I called sooner.

He told me about this great auto credit lender called Auto Credit Financial who is willing to give students with no credit rating a chance, to get some automobile financing. Big up to them, I might add, someone needs to give you a break if you have no credit rating. I mean how can you start building a credit rating if no one wants to give you any loans to start with?

Long story short I followed Andrews advice and went on over to Auto Credit Financials homepage.

I read up on everything I needed to know, it was pretty straight forward. I then went on, to apply for my auto credit loan, and guess what...they were willing to help!

They were willing to give me a pre approved loan, at a low interest rate. They offered me flexible and affordable repayments which I could payback over a period of 32 months (That’s 4 years!)  They even went as far as saying they would keep record of my timely monthly repayments to help me build a credit score. How nice!

With the help of Auto Credit Financial I now drive around with a 2008 Mazda Bantam truck. It is a pretty descent truck and I enjoy going on long Sunday afternoon drives with my new set of wheels .

I love my new Mazda truck and slowly I am getting over the loss of my old and trusty Datsun truck which I had for so long.

A big thank you to Auto Credit Financial for believing in me, while no one else did, and giving me the chance to get an auto credit loan even though I had no credit history. I would definitely recommend Auto Credit Financial to anyone struggling to find affordable automobile financing.

 

Hope you enjoyed reading.

©Mark Hergert
Blog posted from Detroit, MI, USA View larger map
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in Bad Credit Auto Loan 2163

Trying to buy an automobile while having a bad credit score could be an intimidating process, nevertheless it can be done.

Realize that lenders, be it banks or credit unions,  are going to closely examine your  credit rating before they will provide you with automobile financing.

If they find that you have a bad credit rating (which is often the case) banks or credit unions might be just a tad bit skeptical, to approve the loan.

Too often you hear about loans being declined. If your loan was declined, take comfort in the fact that you can secure automobile financing, online, through Auto Credit Financial.

You might be a bit wary to apply for automobile financing, online, since you would need to give the loan provider some personal information. However Auto Credit Financial processes all their loan applications on a secure server.  Auto Credit Financial approves 100’s of loans daily helping people with a bad credit history to secure auto credit. Auto Credit Financial is one of Americas leading on-line creditors who can easily help you to obtain automobile financing.

As mentioned above even if you have a bad credit history it is still possible to secure a loan. Even if you just came out bankruptcy, or had a tax lien, Auto Credit Financial can still help you!

When you apply for auto credit to buy a new or used car, take some precautions before you buy the car, just to be sure it is the right vehicle for you.

Here follows some advice when you want to buy a car: 

Fuel economy – How many miles per gallon can you get from the car? With gas prices ever increasing the more miles you can get, the better as it will save you a lot of money in the long run.

Know the vehicles history – Make sure the vehicle has not been in an accident. A vehicles that has been in some major accident in the past, tends to give problems in the long run, something which you want to avoid.

Is the price right? – Are you sure the price you are paying for the vehicle is what it is actually worth. Take vehicle depreciation into consideration before buying a used car.

Ok so you now know that you can apply for auto credit, through Auto Credit Financial, even with your poor credit score. You found a vehicle that you want to buy having taken all of the above mentioned advice into consideration now what?

Head on over to Auto Credit Financials home page. Make use of the online loan calculator to see how much you will be paying back each month. If you are satisfied and know that you can afford the monthly premiums, go on and apply for the loan. You will get an answer within minutes after your application and can still get the money the same day.

 

It is as easy as that getting automobile financing through Auto Credit Financial! That is why Auto Credit Financial is America pre-approved auto loan source.

©Mark Hergert
Blog posted from Portland, OR, USA View larger map
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in Bad Credit Auto Loan 2174

When you work with as many people as we do at Auto Credit Financial you discover just how many people need assistance securing automobile financing.

There are quite a lot of people who are trying to get an auto loan with bad credit due to bankruptcy or because they could not get automobile financing from a bank and don't know where to turn to.

If you are one of the above people Auto Credit Financial is here to help you!

When it comes to securing automobile financing, bad credit automobile dealerships appear to have their own rule book when it comes to granting or declining an auto credit loan application.

One dealer might tell you that your minimum income has to be at least over “X” amount to qualify, while another automobile financier may tell you, your credit score is too low.

It can be a complicated and nerve-wracking process, when applying for automobile financing, made even worse if your application gets declined.

Considering online automobile financing can change that.

At Auto Credit Financial we partner with you to help you find a loan that is just right for you, to ensure that you get your auto credit loan approved.

You can get pre-pre approved automobile financing online within minutes. We welcome first time buyers and people with bad credit, because at Auto Credit Financial we believe everyone deserves to get an automobile loan regardless of their credit score.

With our unique Click, Apply, Drive process we can find you the right auto loan with the click of a few mouse buttons. You can even get your loan the same day!

For over 12 years Auto Credit Financial has helped thousands of Americans, all with very different financial situations, to obtain automobile financing.

Visit Auto Credit Financial and find out exactly how we can help you to obtain automobile financing -to get that new car you deserve.

 

 

 

 

©Mark Hergert
Blog posted from South Bend, IN, USA View larger map
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in Bad Credit Auto Loan 2079

 

Having a credit rating below 500 is generally considered a bad credit score, so if you have a credit score below 500, you will have trouble obtaining auto credit. You can nevertheless get automobile financing with a credit score of 500 or less, but anticipate your premiums to be much higher than what prime borrowers will have to pay. On the other hand buying a car and having bad credit is still very possible, however know that not all options may be available to you. Below follows some advice and recommendations in the event that you are considering buying a car or truck while having a bad credit rating.

Go with Auto Credit Financial

People wanting to obtain auto credit, who have bad credit, often, experience their own sets of problems and issues many lenders who do not often deal with people who have bad credit ratings are not used to handling their unique situation.

Does your lender understand what to recommend if you have had a personal bankruptcy, or have experienced prior repossession? Most importantly, would they help you improve your bad credit rating? Should you choose to apply for automobile financing with the help of Auto Credit Financial, they will document your timely monthly payments and assist you to rebuild your credit rating.

Stay on Budget

Do away with fantasies of expensive luxury cars, and accept some financial responsibility. Sure you would like your car to be safe, as well as reliable, to make sure that it doesn't wind up costing you even more dollars then it needs to.  However my advice to you is, set a budget, like only buying a car or truck below $8000, or perhaps less, depending upon your income and needs.

There are several reasons why I recommend this, but the most important reason is smaller down payments. Which is obviously much easier to pay each month and as a result it becomes easier to recover from your bad credit rating, and as soon as you build a better credit rating, you will automatically qualify for a better deal. Thus stay away from purchasing expensive luxury cars and avoid getting tied up in a large loan you cannot afford.

Find an auto credit lender that will work with you, not against you

This sort of goes back to my first point, but you really need someone, who not only sympathize with your past circumstances, but even is willing to work with your current circumstances. Say you have to get a car or truck with a bad credit rating and little money to put down for a deposit, will the bank or auto credit lender you planning to see have options and alternatives to recommend? At Auto Credit Financial, our automobile financing experts partner with you. We understand these types of problems, and have suggestions and alternatives when it comes to people wanting to buy a car with bad credit.

Visit Auto Credit Financial today and let us help you get a deal that is right for you.

 

 

©Mark Hergert
Blog posted from Denver, CO, USA View larger map
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in Bad Credit Auto Loan 2422

A couple of weeks back I was looking to buy a brand-new car. I knew exactly what I wanted to buy and I could not wait to get behind the steering of my new Ford Focus. Unfortunately for me, my poor credit rating soon put the brakes on getting that new car I so desired. I was devastated.

You see I couldn't afford to buy the car on cash so I had to apply for automobile financing through my local bank. I filled out an automobile financing application and was positive everything would be just fine. The next day I got a call from the bank to inform me that my application, for automobile financing, has been declined because my credit rating was apparently below 600. I was shocked, angry, and sad at the same. I've been banking with these guys for years and now when I want to apply for a simple auto credit loan they just slam the door shut in my face.

I guess after the financial crisis struck banks became more reluctant to hand out loans to people with bad credit.

Out of my own experience I can tell you that if you know you have a bad credit rating don’t even bother applying for automobile financing through the banks, I can already tell you what the answer will be.

However I was determined to get my new car and was not going to let 1 denied auto credit application keep me from getting behind the wheels of my Ford Focus.

I browsed around on the internet to find out what my different options were for obtaining automobile financing while having bad credit.

The choices were overwhelming. Many of these sites promised you the world but when you go into the fine print and actually start with the application process their friendly, inviting website turns into a hostile place, they start bombarding you with questions and require you to submit all your personal information. Something I was not comfortable doing.

However there was one exception. Just as I was about to give up hope, I stumbled upon an Auto Credit dealer called Auto Credit Financial. I was skeptical at first but I thought I would try my luck one last time. I made use of their online loan application calculator to determine how much my monthly premiums would be. I was pleasantly surprised. They offered far better rates than any of the other auto credit lenders I approached. I filled out the online application which was easy and hassle free. After I filled out the application for my automobile financing I received an answer within minutes. They approved me even with my bad credit rating!

 

I was delighted! The next day I made my way down to the dealership and that same day I drove away with my brand-new Ford Focus thanks to Auto Credit Financial. It just goes to show if you are determined enough to get something it will come to you.  

©Mark Hergert
Blog posted from Seattle, WA, USA View larger map
Last modified on Continue reading
in Bad Credit Auto Loan 2166
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After years of delays, the credit industry finally agreed to give consumers access to their personal "credit scores." This is important, because lenders use credit scores to determine who to give credit to and at what rates. Knowing your credit score can be empowering,If it's low you can take steps to improve your credit worthiness and if it's high you may be able to use it as leverage when shopping for your next car loan.