Can You Finance a Car with No Credit?

Are you looking to improve your credit score, but also need a new car? Perhaps you are a first-time car buyer with no credit history. No matter what your current financial status is, you may be wondering if financing a car with no credit is possible for you. Luckily, the finance team here at Sandy Sansing is dedicated to making sure our Milton community is able to afford reliable transportation. 

We can help you if you have no credit, or even if you want to pursue financing a car with bad credit! At Sandy Sansing, we put our Ferry Pass customers first, meaning we will work diligently for you to find the right model for your budget and lifestyle. Read on below to discover more about financing a car with no credit!

Tips for Financing a Car with Bad or Even No Credit

If you are looking into financing a car with bad credit or want to pursue an auto loan before you have built up your credit history, you’ll have to keep in mind that your down payment may be more than average. Additionally, as a customer seeking a bad credit car finance agreement, you may need to account for a higher interest rate. Set a budget before you attempt to take on financing a car with no credit or bad credit, and leave yourself some wiggle room. Tips to keep in mind:

Don’t Assume You Won’t Be Approved 

You may be heading to the dealership convinced that you are going to be pigeonholed into a poor purchase agreement because you are in search of a bad credit car finance deal. This is certainly not the case. Our team is willing to do our due diligence to help you find a smart deal. Be sure to ask a lot of questions about the purchase options you can opt for when financing a car with no credit. 

Improve Your Credit Score if Possible 

While it is possible to engage in financing a car with bad credit, it is always advisable to improve your score where you can. Inspect your credit report for any errors, set up payment plans for any outstanding debts, and responsibly use your credit cards to build your credit score.

Apply for Loans the Smart Way 

Submitting an application for automotive financing can be detrimental to your credit score. Plan ahead and process all of your loan applications within a 14-day window to limit the potential damage to your credit score. 

Don’t Accept Just Any Offer

If you are shopping around Cantonment in hopes of financing a car with bad credit, you may be anxious to accept the first deal that comes your way. Dealerships work with multiple lenders meaning you can explore different options and agreements even when pursuing a bad credit car finance deal. 

Be Prepared for Higher Costs 

If you are looking to overhaul your credit responsibly, you may need to prepare to budget for higher costs as you pursue a new ride. You may experience a higher interest rate and downpayment as a result of your credit status. However, making responsible payments on your car loan can go a long way towards improving your credit score. 

Apply for an Auto Loan at Sandy Sansing

If you are ready to secure the keys of a reliable ride, our team is here to offer guidance. We can help you explore our new inventory, decide if you should opt for used or certified pre-owned, and answer all of your financial questions. Contact us today to learn more about your options as you look for a no credit finance deal that is right for you!

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