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Go into the process as informed as possible to avoid being taken advantage of. Check your credit report as soon as you start thinking about buying a new car, even if it's months or years in advance. Identify items that are hurting your credit score than cleaning up your credit by paying off past-due accounts, disputing credit report errors, and adding positive information to your credit report before a car dealer ship looks at it. In the months leading up to your loan application, be on your best behavior.

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Pay everything on time. Don't take on any other major credit obligations, opening new credit cards or charging high credit card balances.

Bad credit car finance -

Potential red flags for an auto lender include late rent payments, charge-offs, debt collections, bankruptcy, tax liens, and lawsuit judgments. You can check online for the latest average auto loan rates to better understand what rate you should expect. With good credit , you would qualify for a rate at or below average. Your loan rate will affect not only your monthly payment but also the price tag of the car you can purchase.

Your credit history will limit the size of car loan you can get, and a high interest rate will make the amount even lower. A down payment can offset the interest, taxes, and fees and widen the selection of vehicles you can choose from.

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Does Paying Off a Car Loan Early Hurt Your Credit?

Avoid overestimating what you can afford so that you can get into a better car. Instead, consider how much extra money you have left over after paying bills each month. That's the amount you're able to afford. Check your budget to see what you can really afford to pay and stick to that amount , even if you're approved for a loan with bigger payments.

You can shop more realistically when you have a pre-approved loan amount to work with. Talk to your bank or credit union about getting a car loan and to find out the pre-approval process. If you can't get approved with your bank, your car salesman may be able to put you in contact with a lender who caters to car buyers with bad credit. When you're buying a car with bad credit, you may not be approved for high loan amount, which may mean you have to sacrifice some of the features you want.

Leather seats, sunroof, and a premium speaker system may not be options. You're already facing a higher loan payment because of the interest rate.

Do I need a credit check?

Don't make it bigger by loading on all the latest features. Before you take on an expensive car loan, check to see if your state has any nonprofit agencies that provide loans or vehicles to low-income consumers. Check out this November information on car ownership programs by state. Not into tailgating, come check out our entire selection of over quality vehicles. We have something for everybody. No haggling, no pressure, just quality vehicles and excellent customer service. Check our inventory online here or get the approval process started by filling out an application here.

Gas mileage, maintenance and repair cost, tire replacement cost, cost of insurance and safety history are a few of the many things that come into play when deciding on a vehicle for your graduate. Obviously smaller vehicles with smaller engines get the best gas mileage but small vehicles are more dangerous in accidents. Older model vehicles may have lower insurance costs but may not be as reliable as a newer one. So how do you decide?

Can You Buy a Car With a Credit Card? Pros, Cons, and Smart Strategies

The most important concern for many parents is safety. Once you have chosen a vehicle that you trust is safe also be sure to check the service history of the vehicle with a CARFAX report. Look for vehicles that have a clean service record. The more service records there are the better shape the vehicle is probably in. Plus, with No Credit Check financing all you need is proof of a job, insurance, and a home address and you can drive away in less than 30 minutes.

At Instant Auto you can expect excellent service and high quality vehicles! Check out our inventory here or fill out an application online. As your graduate heads off to college remind them to stay safe! You may be planning a fun road trip for this Spring or Summer. Here are some helpful hints to prevent your trip from becoming a nightmare. Look, winter is over. Your car has been working hard trying not to freeze up. Very soon, it will be trying not to overheat.

To avoid this problem download an app on your phone that helps you navigate road construction ahead of time. Your car is telling you something is wrong. At Instant Auto you can expect excellent service and quality vehicles! Tax refund season is here! Americans use this tax refund for all kinds of things — vacations, paying off credit cards or bills, making home improvements, and buying cars.


There are several factors to take into account when buying a new vehicle. These include your credit score, how much you can afford for a down payment, and how much you can pay monthly. Instant Auto offers no credit check financing. All you have to do is provide proof of a job, insurance, and a home address and you can be driving away in a new vehicle in less than 30 minutes.

How to buy a car with no credit, low credit, bad credit, or challenged credit.

Put your tax refund to good use and drive away today! Especially with the cold winter weather. You can spend hours visiting dealers all over town and still have trouble finding the right fit. Instant Auto is a one stop shop offering no credit check financing.

Large Inventory Instant Auto solves this problem. In fact, they have all 10 of the top 10 selling used vehicle models in the United States. Can you believe the winter season is almost here? In fact, including our new Liberty location, we have over vehicles to choose from, including models! Can you feel the chill in your bones?

At Instant Auto we make getting a vehicle easy. Fill out this simple application to get approved. Stay warm this winter in a vehicle from Instant Auto. Individuals with bad credit generally have a credit score below The good news is that bad credit is not permanent. You can rebuild your credit score over time by making timely payments and not defaulting on the loans you do have.