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
  • Many Dealerships Now Offering All Credit Auto Financing
    March 06, 2013
    While it's difficult to get loans through other avenues, dealerships understand that many people need cars to get out of debt, and feel secure in their investment because a car loan is a debt secured by a physical asset.
  • Should I Consider Using a Home Equity Line of Credit to Buy My Next Car?
    November 25, 2014
    Instead of looking towards a conventional loan, buyers who are also homeowners can choose to utilize what is called a Home Equity Line of Credit.
  • 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.
  • suburban fresh start application

    Fresh Start Used Cars

    Here is a sampling of our inventory. View More Of Our Car Inventory
    Used Cadillac DeVille DHS - 1G6KE57Y51U277730
    2001 Cadillac DeVille 141,501 Miles Get Financing »
    Used Dodge Journey SE - 3D4PG4FB6AT200253
    2010 Dodge Journey 999,999 Miles Get Financing »
    Used Buick LaCrosse CXL - 1G4GC5EC0BF175706
    2011 Silver Buick LaCrosse 68,876 Miles Get Financing »
    Used Dodge Journey SXT - 3C4PDCBG1DT577143
    2013 Dodge Journey 17,229 Miles Get Financing »
    Used GMC Acadia Denali - 1GKKVTED4CJ290673
    2012 GMC Acadia 26,272 Miles Get Financing »