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There’s no reason to suggest that financing a car with no credit or financing a car with bad credit is impossible. Pre-owned and even new vehicles can still be yours to love when you consider all the factors and negotiate a deal. A good way to go about it is consulting the finance center of a dealership like East Bay MINI. Learn about what goes into bad credit car finance or no credit car finance, below!
Advice for Financing a Car with No Credit
If you need to upgrade your San Francisco vehicle but are worried about credit limitations, rest assured that financing a car with bad credit and even with no credit is very much a possibility. Here are the significant deal-makers and deal-breakers for no credit and bad credit car finance:
Expect a back-and-forth: There’s no doubt about it – negotiations will take place with this type of financing. Nevertheless, keep in mind the fact that the dealership wants you to leave with a car as much as you do!
Don’t be surprised by higher payments: A common way that a financier or Oakland dealership will negotiate with you involves higher interest or a bigger down payment.
Determine Your Credit Score: Use a secure source to find out your credit score before you walk onto the car lot so you can have a better understanding of your circumstances before any offers are made.
Timely Applications: Multiple credit applications are fine and even necessary, but do them all within a 14-day window so as not to be considered more risky by financiers.
Trade-Ins: Bringing your current car or an old car to the dealership at which you are financing a car with no credit always helps. You can even trade in a financed car!
There’s a good chance that timely payments on your financed car can result in improved credit! So while you may be feeling a little down about your credit situation at the moment, just know that it can also be viewed as a chance to restart and get your finances back on track.
No Credit & Bad Credit Car Finance is Possible at East Bay MINI
At East Bay MINI, we have regularly arrived at car financing options that work for drivers from Pleasanton to Livermore and beyond. Whatever your credit score, you can save money with our pre-owned specials and find out more car-buying tips from us. If you have any lingering questions as you continue your car-buying research online, please do not hesitate to contact us.
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While great effort is made to ensure the accuracy of the information on this site, errors do occur so please verify information with a customer service rep. This is easily done by calling us at (888) 816-1024 or by visiting us at the dealership. $85.00 Dealer Administrative Charge is not included in advertised price.
**With approved credit. Terms may vary. Monthly payments are only estimates derived from the vehicle price with a 72 month term, 5.9% interest and 20% downpayment.