How to Get a Car Loan with Bad Credit


A bad credit score shouldn't deter you from getting behind the wheel of the car of your dreams. The finance team at Basil Ford in Cheektowaga is here to help you finance a car, regardless of your credit score. In fact, we aim to make it as easy as possible to secure a bad credit car loan, starting by applying for financing online and then working directly with our finance experts to figure out a payment plan that works for you. But first, this guide will help drivers throughout the Buffalo area figure out how to get a car loan with bad credit.


Tips on How to Get a Car with Bad Credit

Wondering what steps to take in order to finance a car when you have less-than-stellar credit? Consider these tips on how to get a car with bad credit so that you're prepared when you make your way from Amherst to Basil Ford:

  1. Establish a monthly budget, and factor in how much you can afford each month for a car.
  2. Determine how much money you have saved to use as a down payment. Try to put down more if possible, and consider trading in your current car to contribute to the cost of your next car. Here are some tips on trade-ins.
  3. Check your credit report and clean it up as necessary before applying for a loan.
  4. Don't overextend yourself in order to get a newer or better-equipped car. Be honest about what you can afford, and consider your used vehicle options, as well.

Remember, taking out a car loan has the potential to help you improve your credit score, so long as you make payments on time every month. In turn, you can look forward to lower interest rates on loans and credit cards in the future.

Turn to Basil Ford for Bad Credit Financing Options!

Basil Ford is here for drivers from Lancaster and beyond who need help with car financing. Get a sense of your current credit score, or learn more about car leases with bad credit, and then get in touch with any questions or to get started! We can also explain the car financing process so that you're prepared when you visit.