Bad credit car loan?

You'll be able to get a good range of competitive quotes through one of the free online services that specializes in this. The good thing about these services is that they get quotes for you from several lenders with only one credit inquiry, so the impact to your credit report is minimal.

Here's a page that lists several such services...

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There are compnies such as JD Byrider that specialize in "high risk" car loans knowing that the repo man is just a call away. The same goes for most car dealerships. You just pay a higher interest rate

Before you do that I would work on getting your credit score up to 650 or more.

First review your credit report and correct any mistakes.

Building a good credit score is a long term process. As they say a journey of a thousand miles starts with the first step. Beware of quick fixes. There are none except for the quick fix of getting into your wallet by way of a scam and there are some out there. Here are three sure fire ways to boost your credit score.

The biggest component of the FICO score is the percentage of available credit you are using. The traditional way of course is to pay down your accounts to improve the percentage. The higher the percentage the lower the score. There is another way.

1. ASK FOR CREDIT INCREASES. This achieves the same result-decreasing the percentage of credit used. Just be careful not to use the new found "wealth". That is like shooting yourself in the foot. Be careful not to ask for too much of an increase.

2. PAY OFF YOUR BILLS. Pay them off not when they are due but before they are due. Find the statement date (usually 20 or so days before the due date) and pay it off a day or so early. That brings your account balance to $0 thus increasing the percentage of available credit. If you pay the bill on the due date it will not have the same effect.

3. DON'T TOSS THOSE OLD CARDS. I found out about this one the hard way. If you are not using an old card for any reason do not throw it away. Take advantage of it and charge small amounts occasionally. This results in an active vs. and inactive status for that account. Active accounts are factored into the FICO scoring system-inactive accounts are not.

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A finance company called HSBC does bad credit auto loans. I have also listed a site below that has free information for consumers on how they can a car loan with bad credit. It also explains the pros and cons of them too.

Many bad credit car loans are arranged by the car dealers. If their ad says something like "we finance everyone" "or problem credit our specialty" you will know that the dealer works with people with lower scores.

600 is not a terrible credit score, so you shouldn't have a problem, though obviously you will pay more in interest than someone with excellent credit.

You should not have a problem getting approved for a loan if you meet the lenders qualifications as far as income and qualifying credit.

You can try a dealership that has a Special Finance Department, they should be able to help you. Or try Roadloans.com they look at equifax only and require $2,000.00 a month minimum monthly income.

If there is one in your area, try JD Byrider. Their cars usually cost a little more than they would elsewhere but if you have bad credit it might be a good way to rebuild. Also, Citifinancial will approve just about anybody if you already have a certain car or dealership in mind and they are very easy to work with.

I had bad credit and was able to get a loan with a decent rate from http://autoloangiant.excellentabc.com/ .

Hope they can help you out.

I would suggest that you work on your credit so you save $$ on the interest you will have to pay with a credit score of 597. I have found this site to be helpful with credit, www.genesiscreditgroup.com, you might find help there. You may be able to increase your credit within the next 90 days.

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