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
  • Toyota, VW and Dodge at the 2013 Chicago Auto Show
    February 12, 2013
    The 2014 Toyota Tundra, 2014 Volkswagen Beetle GSR and the 2013 Dodge Dart GTS with Mopar at the Chicago Auto Show
  • Can I Get an Auto Loan Without a Job?
    October 24, 2014
    If your credit history is bad, it can be difficult to secure an auto loan without a job. However, not having a job doesn't necessarily mean you donít have income.
  • How Important is Fuel Economy in a Used Vehicle?
    August 27, 2013
    Although gas prices are expected to drop slightly in 2014, fuel economy is important to keep in mind when buying a used vehicle with a bad credit auto loan.
  • suburban fresh start application

    Fresh Start Used Cars

    Here is a sampling of our inventory. View More Of Our Car Inventory
    Used Ford Fiesta SE - 3FADP4BJ2BM135013
    2011 White Ford Fiesta 50,753 Miles Get Financing »
    Used Chevrolet Cavalier  - 1G1JC524817339003
    2001 Chevrolet Cavalier 179,661 Miles Get Financing »
    Used Mercedes-Benz SLK300  - WDBWK54F19F211488
    2009 White Mercedes-Benz SLK300 50,390 Miles Get Financing »
    Used Nissan Sentra S - 3N1AB7APXDL769457
    2013 Silver Nissan Sentra 8,869 Miles Get Financing »
    Used GMC Acadia SLT - 1GKEV33D39J127845
    2009 Brown GMC Acadia 123,656 Miles Get Financing »