Good Credit, Bad Credit, No Credit: online.cars is Here for You

Businessman paying money isolated on white

There is a common misconception that if you have anything less than perfect credit, you are going to have a very hard time getting approved for any type of decent financing when you need to buy yourself a new or pre-owned vehicle. While there is certainly a risk that an unscrupulous dealer may take advantage of your situation, there are also plenty of ethical dealerships that will work with clients who have poor – or even no – credit. So before you get desperate and start Googling “bad credit car loans in Columbus, Ohio,” take a few minutes to familiarize yourself with a few of the dealerships in the area who have the ability to help you finance your new car without getting you tied into a lousy financial obligation that will only serve to further set your credit back. One such dealership that you’ll want to explore is online.cars. In fact, if you’re struggling to overcome your bad credit history and you need to buy a car on a very strict budget, online.cars is the very first place you should check out.

 

What is online.cars?

online.cars is a revolutionary new way to shop for new and pre-owned vehicles. As you can probably discern from its name, online.cars is an internet car dealer… which means that like almost all things on the internet, it’s open for business 24 hours a day, seven days a week. So if you’re trying to correct your bad credit history by working long hours at multiple jobs, you won’t have to worry about fitting visit into online.cars into your choppy schedule. Even better, you won’t have to consider asking your boss for time off to head to the dealership. You can simply shop for cars right from the comfort of your own home, any time of the day or night that works for you. And if you are currently out of work and need a car in order to start job hunting and interviewing, online.cars eliminates the need to borrow a car or bum a ride off a friend in order to get to the dealership. All you need to do is find a computer or smartphone with an internet connection and you’re good to start car shopping.

 

How Does it Work?

online.cars is incredibly simple to use. There’s no need to spend hours scrolling through pages of inventory just to find the car that you love. Instead, online.cars has simplified the process so that all you have to do is fill out a short questionnaire regarding the type of car you are in the market for. The form will ask you for your contact information including your preferred means of communication (either phone or email) and then it will ask you to give details on the specific car that you are interested in. You’ll want to know whether you plan to buy new or used (if your credit is truly terrible, you should probably only consider buying used), the make and model of the car you would like to purchase, the year you’d like that model to be, the maximum mileage you’re comfortable having on your new-to-you car, the trim type that has the amenities you feel are important and the color that you’d like to be seen in. You’ll also want to note if you’d prefer to drive a car with either an automatic or manual transmission. Finally, and arguably most importantly, you’ll want to note the maximum price you want to pay on this new-to-you car. Remember, if you’re struggling to overcome a tough financial patch and are hoping to finance your car despite your lousy credit, you want to stay within a strict and reasonable budget. Don’t buy more car than you can afford, otherwise, you’ll never break the cycle of having bad credit… and you may even hurt your credit more if you miss any payments.

Once you answer those questions, there is space to leave a message for the online.cars sales team. If there is anything you want your sales team to know, simply leave them a comment in that message space so that they have all the information possible to find the perfect car for you.

How do they find the car that you’ve outlined? Thanks to online.cars nationwide network of dealers, the sales members simply search the company’s database of over 10,000 vehicles to find the ones that best match your criteria. Once a few ideal matches have been found, the results are emailed right to you so that you can make your final decision. After that, all the paperwork is handled and signed electronically and the car is delivered right to your driveway or office – along with a full tank of gas!

 

Figuring Out Your Financing

Of course, your main objective in purchasing your car from online.cars is to secure better financing than you would if you went to a traditional or a buy here, pay here dealership. Fortunately, online.cars has fantastic relationships with nationwide lenders, so no matter what your financial or credit history situation is, the financial team at online.cars will be able to help you secure a loan at a reasonable rate. In fact, online.cars prides itself on being able to help those who have struggled with poor credit and are having a hard time getting approved by their bank for a loan.

Take the first step in shopping with online.cars and start to use the free financial tools found right on the website. You can apply for financing online and you can rest assured that it will have no effect on your credit score… in fact, you won’t even need to use your social security number or birthday to find out what low financing rate you instantly qualify for. You can also shop by payment if you aren’t entirely sure which car models fit into your budget, and you can also use the payment calculator to figure out what your payments would be based off specific finance rates. Finally, if you have a vehicle to trade-in, you’ll be able to see your payoff and how much equity you may be able to apply to your new car. At online.cars, your weak credit history won’t hold you back from receiving top-notch customer service and best-in-class financing options.

 

online.cars: Here to Help You

It can be very distressing to try to shop for a big-ticket item, such as a car, with a poor credit history. online.cars wants all of its customers to know that they are valued – no matter if they have the best credit history or simply terribly credit history. Why not visit online.cars today to see how you can make online.cars work for you?