How to Get a Car Loan with Bad Credit

Car key & credit card on a signed contract

If you have bad or sub-par credit, then don’t panic! Not only is it possible to get a car loan with bad credit, but the finance center at Rockingham Toyota can show you how to do it easily and efficiently. Learn how to get a car with bad credit so you can shop for a new vehicle for your Haverhill commute with peace of mind. 

Financing a Car with Bad Credit

If you’re still wondering how to get a car loan with bad credit, then let Rockingham Toyota put your mind at ease. The first step is to apply for financing online at Rockingham Toyota so you can get pre-approved and save time at the dealership instead of driving all the way from Lawrence. Once you’ve been approved, our finance team can work with you directly to help you explore your options and figure out a payment plan that works for you.

How to Get a Car with Bad Credit: Step by Step

Getting a new car for your Methuen commute or weekend adventures with bad credit is not only possible but easier than you might think. Learn how to to get a car loan with bad credit by following these steps: 

  1. Make a budget and see how much you think you can afford to pay per month. 
  2. If you’re able to, it could be financially beneficial to make a larger down payment. 
  3. Before you apply, check your credit score and see if you can try to improve your credit report as much as you can. 
  4. Be realistic about the type of car you should purchase. Don’t get more than you need. 
  5. Ask as many questions as you can and try to figure out as much information as possible. 

How to Improve Your Credit Score

Making payments every month on a car loan will actually help raise your credit score and credit profile. That’s why getting a car loan with bad credit can be financially beneficial in the long run. Once your credit has improved, you’ll have a higher chance of getting a better loan later on for when you upgrade to a new car. 

Get the Financing You Need at Rockingham Toyota

Now that you know how to get a car loan with bad credit, you can visit Rockingham Toyota online to speak with one of our team members and figure out a payment plan that works for you. Visit our dealership in Salem or contact us online to get the process started.

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412 South Broadway • Salem, NH 03079

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Rockingham Toyota 42.7481988, -71.2042747.