Turning Your Credit Situation Around

December 27th, 2019 by

A blurry man is writing "Bad Credit? We Can Help!" on a clear board.

If you are asking yourself, “how can I get a car with horrible credit?” you’ve come to the right place. At Online.cars, we see our customers as real people, not just numbers. That’s why we guarantee loan approval, no matter your credit score. Right on our website, you’ll find helpful tools to assist you throughout the car buying experience. Our guaranteed loan approval program helps you get back on the road to success. By signing up for a car loan through Online.cars, you can start the process of building your credit and financial reputation. We do everything in our power to help you regain control of your credit and go home with a reliable vehicle that you can count on. An improved credit score can open doors to other opportunities, like the ability to obtain major credit cards, increase your purchasing power, get lower interest rates on future loans and even get a lower interest mortgage rate.

Understanding Your Credit Score

Credit scores are calculated based on your credit history. There are three major credit bureaus that keep track of your credit history. Various factors like your total debt, the types of accounts you have, the number of late payments you’ve made, and also how old your accounts are, all go into factoring your total score. Lenders rely on credit scores to determine how risky of a loaner you might be. The number ranges between 300 and 850 and changes as time goes on. A higher score translates to a better rating. Raising your score makes it easier to get financing on anything from a car payment to a mortgage.

Luckily, even if you haven’t had great credit history, it is possible to improve your score going forward. Your score is recalculated on a monthly basis, so there’s no reason to feel trapped by your past. The simple move of taking out a loan and paying it back on schedule helps build back your credit reputation. You can secure financing for a vehicle to raise your credit score by proving to lenders that you are responsible for submitting your payments on time. It’s important to check your credit score on a regular basis so you can dispute any potential reporting mistakes. Identify changes in your score to be sure they accurately reflect your actual activity.

The Issue With Most Dealerships

Although a car loan is a perfect opportunity to rebuild past credit mistakes, most dealerships aren’t willing to take the risk of lending to car buyers with bad credit. If you have horrible credit or no credit at all, it can seem impossible to get the financing you need for a car. It’s hard not to feel trapped by credit issues, even when they no longer apply to your current financial situation.

A man is looking at a car report with used cars in the distance.

Luckily, Online.cars is dedicated to providing all customers with vehicles they can rely on. To ensure your confidence, we offer all of the details upfront on our website for any vehicle that we sell. Get a clear picture of each vehicle’s unique background without even having to step foot on the dealership. If you see something you like, take advantage of our no-cost 48-hour hold, and take some time to think it over. While most dealerships aren’t willing to take a chance on customers with bad credit, we are proud to guarantee credit approval for all.

Find key information with a free CarFax report on our site. See how many previous owners the vehicle has had, whether any damages or accidents have been reported, all of the service history, and the last reported odometer reading. Many of our pre-owned vehicles offer premium features like remote keyless entry, a power driver’s seat, and XM Satellite radio. You never have to compromise luxury for price when shopping our inventory at Online.cars.

How To Get Started

To make the process as hassle-free as possible, we give you as much information as possible right on our website. Use our patented Nationwide Vehicle Search to find the perfect vehicle to meet your needs. Our handy online tools include our payment calculator and the ability to schedule your test drive from the convenience of your home computer. Calculate payments based on the vehicle price, interest rate percentage, loan term, and downpayment. If you have an old vehicle to trade-in, add that into your payment calculation to get the best deal possible. We offer affordable monthly payments that won’t overburden your household budget.

Once you find the vehicle you want, schedule a time to give it a test drive. We offer a range of time windows to accommodate your busy schedule. To get a better feel for the vehicle before you visit, we have video tours of our inventory here on our website. Get a 360-degree view of the vehicle and see it inside and out to picture yourself owning it.

A man is searching "how can I get a car with horrible credit?", on his laptop.

You don’t need to settle for a junky car just because your credit is less than perfect. We handpick the best cars so you can drive in style. We have the ability to search 200,000 vehicles from all over the country using our Nationwide Search software. Part of the search process includes filtering out vehicles with previous title problems. You don’t have to worry about used vehicles that have had serious damage from fires, floods, or even hail. We only show you the best in order to help make your decision that much easier.

What Are You Waiting For?

At Online.cars, we have vehicles to fit every lifestyle and budget. Shop our selection of quality vehicles for prices you can afford. Find great deals on vehicles that are barely used and discounted. We’re confident that we can find the right vehicle for you. If not, we’ll give you a $200 American Express card just for trying. What do you have to lose?

Without even stepping foot on our dealership, you can review all the details of our inventory from the comfort of your home. Our website offers several different views of our vehicles, including a video. Get a vehicle history report and comb through the details yourself. Print out our free reports for any number of vehicles you’re interested in and use this to compare your options.

When you’re ready for a test drive, simply fill out our online form to book a time that works best for you. Tell us which vehicle you’re interested in, and we’ll be sure to have it ready for you when you come in. Our vehicles go fast, so don’t delay if you see something you like on our website. Get behind the wheel to get a real feel for how it drives.

Gone are the days when bad credit means you’re disqualified for getting a dependable vehicle. At Online.cars, we’re happy to work with customers from all different backgrounds. We’re not here to judge you; we’re here to get you a great deal on a quality used vehicle. We back up our inventory with generous warranties. Pay us a visit and see for yourself. Let Online.cars be your next step towards financial independence.