The Drive to Succeed
You need a car or truck. Soon. Maybe Now. You can’t pay for it with cash because you simply don’t have that kind of money saved up but your credit isn’t very good and you’re not sure what you’re going to do.
The situation is not ideal, to be sure. But things aren’t hopeless, either. It may not be easy to get a car with bad credit, but it’s not as difficult as it might seem. Most of us can qualify for any number of the many used car loans for bad credit available out there. The trick is finding the best one for your circumstances – and for what you want your circumstances to be a year from now, five years from now, and beyond that.
Don’t panic. And don’t take the first offer you get from some local poor credit car finance dealer next to that gas station with the bars on the window and the big “quickie cash payday loans” sign hand-painted on the glass. Your circumstances may be challenging, but you’re still in control of where you go from here. We all have a credit history and a three-digit credit score which lenders can conjure on demand, and they matter. They impact what we can borrow and the terms on which we can borrow it. They’re important.
But you are not your credit score. You’re more than that, and you can do better than whatever it shows on that report and whatever is reflected in those three digits. Buying a car with bad credit can be more than a desperation move to get you through the moment; it can be the first step towards rebuilding your credit and taking more effective control of your finances – and through them, your future.