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5306 S IH 35 Frontage Rd, Austin, TX, 78745

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Dealership Info

Phone Numbers:Online Showroom Hours:
  • Mon - Sun12:00 AM - 12:00 AM
    (Always Open for Online Shopping)
Sales Hours:
  • Mon - Sat9:00 AM - 8:00 PM
  • SunClosed
Service Hours:
  • Mon - Sat7:00 AM - 6:00 PM
  • SunClosed
Parts Hours:
  • Mon - Sat7:00 AM - 6:00 PM
  • SunClosed

How to Get a Car or SUV with Bad Credit

how to get bad credit car finance

How Bad Credit Vehicle Loans Can Help You

If you are searching for bad credit auto loans, then these steps for financing a car with poor credit are for you. And if you’re anything like most of us, you already know that a car is an essential purchase here in the U.S. A poor credit score can be a serious situation for consumers with poor credit.

Car loan seekers can still get bad credit auto finance at a smaller interest rate if they learn to improve their credit history before getting behind the wheel of their next car. But buyers need to be extra careful. This type of car finance may have greater interest rates, and eventually may lead to getting overcharged for having a poor credit score.

Expert-Recommended Advice on How to Get a Vehicle with Bad Credit:

  1. Improve Your Weak Credit Score:

  2. One of the most important things that you need to consider doing before going car shopping is to check your credit score. Understand your credit. Check for all the negatives, if any. Monitor your FICO credit score. Look for these flags:

    • Past due accounts
    • Inaccuracies and disputes
    • Unpaid debt
    Consider these essential steps:
    • Make on-time payments
    • Clear your existing debt
    • Don’t apply for multiple credit cards
  3. Avoid Any Extra Poor Credit:

  4. In the months leading up to your bad credit car finance application, you need to provide more attention to your credit history and should be extra careful to avoid extra bad credit listings.

    Avoid these other red flags:
    • Late rent payments
    • Credit card balance transfer
    • Tax-liens
    • Chapter 7 or 11 Bankruptcy
  5. Check and Compare Interest Rates for Bad Credit Vehicle Financing:

  6. When you are search for the right car or truck loans for your purchase, comparison shopping works best. Check and compare interest rates and financing terms for bad credit auto loans offered by different lenders, and it may help you to find the amount that you’ll actually be paying.

  7. Know Your Monthly Threshold:

  8. Before you decide on the car brand and model, do the homework. It’s normal to be tempted during auto research to over-inflate your affordability. Therefore, check your budget, consider your other expenses and savings before deciding.

  9. Save up for a Down Payment:

  10. By putting a considerable upfront payment towards your car purchase, you will eventually reduce your outstanding debt incurred through financing. It’s, therefore, generally a good idea to set money aside for your car or truck financing down payment.

  11. Request Loan Pre-Approval

  12. Getting a pre-approval from credit untions, banks, and other lenders is a helpful step for all car buyers with weak credit. They are more open to lending to a borrower with a poor credit because credit unions are non-profits. Don’t forget that the interest rates and requirements may vary. This is one reason why it’s very helpful to shop around and compare before selecting one.

    Getting Pre-Approved Typically Requires:
    • Running your credit history
    • Find auto lenders and non-profit credit unions that provide pre-qualify options
    • Fill out the loan application and provide essential documents|Provide essential documents and submit a loan application
  13. Stay in the know:

  14. When you apply for bad credit auto financing, your lender will provide more than a few loan documents. It is very crucial that you understand the loan terms and read all the paperwork. Only after ensuring and reading that the terms listed on the paperwork match what the car dealer verbally agreed to should you finalize the agreement.

Final Tip For Getting A Car or SUV With Bad Credit:

Financing a car or SUV with bad credit can take some work. Plus, most such loans have a relatively greater interest rate. By taking measures to increase your credit rating and repair your personal finances prior to your next car purchase, you can apparently avoid the financial blow. When you are ready, go with a reliable, suitable and affordable bad credit car finance option to purchase the car of your dreams.

Take a moment to check at our Kia Finance page to find answers to any further questions you may have regarding the specifics of your choice. Make sure you consider each alternative wisely. You can also call us at (844) 248-5489 for more information

How to Get a Car or SUV with Bad Credit in Austin, TX 78745 | Kia of South Austin

Dealer Info

Phone Numbers:Online Showroom Hours:
  • Mon - Sun12:00 AM - 12:00 AM
    (Always Open for Online Shopping)
Sales Hours:
  • Mon - Sat9:00 AM - 8:00 PM
  • SunClosed
Service Hours:
  • Mon - Sat7:00 AM - 6:00 PM
  • SunClosed
Parts Hours:
  • Mon - Sat7:00 AM - 6:00 PM
  • SunClosed

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Contact Us

(512) 444-6635

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5306 S IH 35 Frontage Rd • Austin, TX 78745

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Today's Hours:

Open Today! Sales: 9am-8pm

Open Today! Service: 7am-6pm

Open Today! Parts: 7am-6pm

Kia of South Austin 30.202911, -97.7621936.