How to Get a Car Loan With Bad Credit

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If you’ve had struggles maintaining a high credit score, you might be wondering how to get a car loan with bad credit. Just because your credit needs work doesn’t mean you can’t qualify for a car loan. Our knowledgeable finance team is ready and waiting to show Kansas City and Independence area drivers how you can drive off with a new car today with a car loan that you can afford!

Financing a Car Loan With a Low Credit Score

Two things are important right from the start — have a copy of your credit report handy with your FICO credit score and gather all of your documentation together, which is detailed below. You are now ready to apply for financing, which will allow our finance team to get to work finding an affordable loan package that falls within your budget.

Tips to Follow When Applying For a Loan With Bad Credit

  • Gather documentation – you’ll need recent pay stubs, tax returns, and bank statements.
  • Determine your budget – know how much car you can afford to purchase by determining your monthly payments via our online payment calculator before starting the process.
  • Put down a larger downpayment if you can – trading in your old vehicle is one option to try. Use our online trade-in value estimator to know what your old car might be worth.
  • Try to clean up your credit before you apply – continue to make loan payments on time and address any negative issues on your credit report.
  • Explore options other than buying or leasing – think about asking a co-signor to sign off on the loan.
  • Ask questions!

Work on Increasing Your Credit Score

Now that you’ve learned how to get a car loan with bad credit and our finance team has worked out a loan package for you, this can be the first stage of improving your credit score so that for your next vehicle, you will have access to lower interest rates and other credit-based products and services.

Learn More About Your New Kia From Cable Dahmer Kia of Lee's Summit

Raytown drivers already know that Cable Dahmer Kia of Lee's Summit is the go-to dealer for new Kia cars and SUVs. With our service specials and lease offers on new vehicles, you are sure to find your service repair or new vehicle at a price you can afford. Take a moment to look over GAP insuranceKia warranty coverage nd see how your Kia purchase is protected.

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816-558-6700

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400 NE Colbern Road • Lee's Summit, MO 64086

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Cable Dahmer Kia of Lee's Summit 38.946795, -94.369842.