A couple years ago I had a personal loan go to collections. A relatively small amount 00. I’ve been trying to work with the collection company to pay of the debt, but they’re basically saying I have to pay them a lump sum or go to court, and I can only afford to make smaller monthly payments, so this has just been sitting out their killing my credit rating for a few years.
I make decent money so i’m sure i can get the thing payed off, but it will take a few years with all the other bills i have to pay on top of it.
Unfortunately though my car is breaking down on me, and I really have no choice, but to get another one.
I’m going to have to find someone who will give me an auto loan to do that though and with my credit in the shape it’s in i don’t know what my options are. Any suggestions on how to get a decent deal on an auto loan when your credit isn’t very good. I’m sure i can find one, but it’ll probably be for an outragous interest rate.
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Auto finance is what I do for a living and in today’s economy without a large down payment your most likely looking at a buy here pay here lot.
Try a large dealer that advertises Special Finance and go talk to the Manager, they should be able to give you some options.
Whatever you do don’t pay any attention to any offers that show up here they are all scams.
Good luck.
There is a company that is online called RoadLoans.com, they are owned by Capital One Auto Finance and help people with a challenged credit rating.
Also most national dealerships offer bad credit financing now, but if you can qualify for Roadloans do it, they will send you a check and you can walk in with cash to get best deal.
You can fill out online loan apps on dealer websites. They’ll even state if they do bad credit car loans.
Financed cars is more expensive to insurance cause it requires full coverage. You can compare how much you would pay for full coverage of this car using this tool – carquotes.sinfree.net
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