You may have bad credit because of a multitude of reasons, past arrears, missed bill payments or just plain never had credit - yes never having credit affects your credit score. It is a total mystery why one would have to have credit to get a good credit score, but this is life - to prove yourself in the credit market you need to prove you can make monthly payments; this is what bumps your score up or drop down.
In any case you need to find an auto loan as soon as possible but you have a problem because of your adverse credit score. However, there is no need to panic as there are not one but many options open to you which includes bad credit financing. This option is provided by a Better Business Bureau registered loan service, and it can provide you with the best interest rates in the auto loan market.
All you need to do is meet a minimum requirement by answering a few questions regarding your personal details and financial status such as employment and income. You should meet the minimum requirements then you will have no problem getting finance for your car, whether you are choosing a new or used model.
There are various payment options open to you, so you can get a loan facility that matches your circumstances without any problem.
When choosing an option you need to be completely honest or you risk being denied, so it is best practice just to give accurate information so that your application can be assessed in the correct way.
It wouldn't be good to you if you over estimate on your income and then find that you cannot meet the loan payments. After all, the bad credit loan facility is designed to help you and not hinder you.
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