Bad Credit Car Loans - Things You Should Know Before You Apply By: Carrie Reeder If you are seeking a car loan and you have credit problems you are probably seeing that bad credit can make getting a loan difficult. However, getting a car loan with bad credit is much easier than getting approved for a credit card with bad credit. Lenders are much more likely to approve you for a car loan than a credit card because the car is used as collateral for the loan. Unsecured loans with bad credit are much more difficult to get. Different Kinds of Auto Finance Companies - To find a car loan online, there are many lenders to choose from. Some of the lenders will submit your application to many different auto finance companies and some of them are direct lenders with their own loan programs. Some of the car loan companies online work only with dealerships to finance your car. Know What Kind of Lender You Are Dealing With - Be careful when you apply with a company that will only finance you through a dealership. If you are going to use this kind of financing, make sure you also have other loan offers to compare the interest rate to. Many lenders work with dealerships to charge the borrower an excessive amount of interest. They will charge a much higher rate than the borrower would have received if he/she had shopped around. Don't Have Your Credit Pulled Too Often - Every time your credit is pulled after the first couple of times, your credit score will drop a little each time. Make sure you only apply with 3-4 companies before you decide who to work with. If the company will submit your application to multiple lenders, this can be a bonus for you to get a competitive rate or multiple offers without having your credit pulled over and over. Recent Bankruptcy? - If you have a recent bankruptcy, get comparative quotes to get the best rate. However, know this. If your bankruptcy has been within the last 2 years, your interest rate will be much higher than if you wait and apply after 2 years from the discharge date. Once a bankruptcy has past the 2 year mark, more lenders are able to approve the loan, which makes the interest rate more competitive. About the Author: View our recommended Bad Credit Car Loans lenders. Carrie Reeder is the owner of ABC Loan Guide, an informational website about various types of loans.

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