Buy a Car with Bad Credit

easy auto loans
Easy Auto Loans Online
Get financing to purchase a new or used car. Start the online approval process now.
Home > Bad Credit > Buy a car with bad credit

Suburban Fresh Start helps people buy a car with bad credit everyday. When you have bad credit and are trying to get a bad credit auto loan there are a few things that you should know about the process, especially if this is the first time you are buying a car with bad credit.

If you have a good credit rating you rarely need money down, nor do you have to prove the accuracy of the items on the auto credit application that the lender reviewed. The approval is based on the excellent credit history of the car buyer.

When your credit, on the other hand, is bad, you are required to prove most of the items, and it is also often required that money down is need to maintain a low loan to value ratio. Most special finance auto loan companies only want to lend money to the borrower for the price of the car, rarely will they go over the price of the car and loan money for government fees and taxes. A good rule of thumb when buying a car with bad credit is to have around a thousand dollars cash money or trade equity to cover these fees.

In addition to money down, bad credit car buyers also have to prove where they live and how much they earn. For most people this requires a recent utility bill and a pay stub. For self employed borrowers two years tax returns prepared by a professional agency usually does the trick.

For those that cannot prove their income we also have the guaranteed credit approval program. With the guaranteed credit approval program the vehicle qualifies for a specific loan amount based on the value of the collateral.

Suburban Fresh Start News
  • Auto Loans For First Time Buyers
    July 01, 2013
    People who are buying their first car with no credit history can get auto credit guaranteed.
  • After bankruptcy: Bad credit no credit auto loans
    April 02, 2013
    Just because you have a low credit score because of a bankruptcy or other difficult financing situation doesn't mean you can't get a bad credit auto loan.
  • How divorce can affect your ability to get guaranteed auto financing in Michigan
    August 30, 2012
    Divorce always creates many financial questions such as how the situation can affect your credit and your ability to get guaranteed auto financing in Michigan.
  • suburban fresh start application

    Fresh Start Used Cars

    Here is a sampling of our inventory. View More Of Our Car Inventory
    Used Cadillac DTS  - 1G6KD57918U136319
    2008 Silver Cadillac DTS 72,213 Miles Get Financing »
    Used Dodge Journey SXT - 3C4PDCBG7CT304951
    2012 White Dodge Journey 46,958 Miles Get Financing »
    Used Ford Fusion SEL - 3FAHP0JA6BR177795
    2011 Black Ford Fusion 62,774 Miles Get Financing »
    Used Buick Enclave  - 5GAKRBKD0DJ147575
    2013 Dk. Gray Buick Enclave 21,440 Miles Get Financing »
    Used Saab 9-3 SPORT - YS3FB49Y891002079
    2009 Red Saab 9-3 77,787 Miles Get Financing »