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Services That Are Highly Recommended For Damaged Credit Car Buyers

Everyone wishes that they had spotless, perfect credit that no one would ever have a problem with. This could lead to a overall better financial future especially if you are in the market to purchase a used car, truck or SUV. Well believe it or not most people don't fall under that category of having the best financial profile and have at least one or more problems with their credit scores and bureau reports. Some are worse than others though and can fall under the bad credit, poor credit or no credit at all categories.

This is when you will need to start looking into some highly recommended services for people with bad or poor credit that are here for you. When it comes to your need to turn you situation around you can go with to get the loan that you deserve. Even though you may have fallen on some less than perfect credit history that very well may have been out of your hands, an auto can get you back on track.

Bankruptcies can lead to a downward spiral when it comes to credit

Bankruptcies can lead to a downward spiralToday more people have damaged credit due to having to file for one of the two types of bankruptcies which are:

  • - A Chapter 7
  • - A Chapter 13

In most cases car buyer will be looking for financing after a very bad chapter 13 bankruptcy over the chapter 7. Even though it is a more case common that does not mean though that it is any more accepted by lenders.

When you really think about it dealerships and lenders alike are a little bit more gracious to people with bruised credit today, than they were ten years ago. There are special lenders that are within the network of Car Loans Financing that are more than happy to provide car loans for people with very bad credit.

You have to take at least 10 minutes out of your busy day to submit an online application that will ensure the start of the automobile buying process.

The best thing that you can do is apply with a dealership that has special financing lenders who can deal specifically with your situation. If you have bankruptcy problems then look into car dealerships that deal with chapter 13 bankruptcies. This will help you to not only get into a vehicle that you need but one that fits your budget as well.

The same thing applies if you have chapter 7 bankruptcy, a past repossession or just bumpy credit because of an inability to make payments. Many times if you go in a dealership and explain your previous situation they it would be easier to help you by giving the best deal regardless of what your credit score may be.

The best piece of advice though is to try and raise your credit score as much as you can while you making monthly payments. Even if you only raise it a minor fraction it will help you in the long run and maybe get you a much better deal on your next vehicle you decide to finance through

Financing Requirements
  • At least $1,500 gross monthly income required for credit scores less than 625.
  • Chapter 7 Bankruptcy. 341 meeting of creditors must be completed.
  • Chapter 13 Bankruptcy. An Authorization to Incur Debt from the trustee is required.
  • Zero auto loan repossessions in the last year unless included in a bankruptcy.
  • Approved auto loans are for buying a car from our authorized licensed car dealer partners.
  • US or Canadian Residents at least eighteen years of age.
I meet these guidelines, Skip to the application.
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