{"id":23522,"date":"2026-04-02T20:57:04","date_gmt":"2026-04-02T20:57:04","guid":{"rendered":"https:\/\/infinpros.com\/?p=23522"},"modified":"2026-04-02T20:57:10","modified_gmt":"2026-04-02T20:57:10","slug":"how-to-get-a-car-loan-with-bad-credit","status":"publish","type":"post","link":"https:\/\/infinpros.com\/?p=23522","title":{"rendered":"How To Get A Car Loan With Bad Credit"},"content":{"rendered":"<div>\n<div id=\"block_2ace3ebdd9de09acb264362827c5feb9\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Bad credit auto loans are offered by banks, credit unions, online lenders and dealerships.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Shop around to find the best deal on an auto loan for your budget and credit profile.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            If approved, an auto loan can help improve your credit \u2014 provided you keep up with the loan and make on-time payments.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>Getting approved for a car loan from a traditional lender is challenging when you have a low credit score. You will face higher rates and eligibility requirements that can make it difficult to qualify, but that doesn\u2019t mean it\u2019s impossible.<\/p>\n<p>Although it will take more work to find a competitive auto loan, you don\u2019t have to settle for a high-cost loan from a buy-here, pay-here dealer. With a little legwork, you can find the <u>best bad credit car loans<\/u> for your financial situation.<\/p>\n<h2 id=\"how\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to buy a car with bad credit\" data-outcome=\"\">How to buy a car with bad credit<\/h2>\n<p>Yes, it\u2019s tougher than with better credit. But the good news is that research, saving for a down payment and getting preapproved may help you qualify for a competitive auto loan.<\/p>\n<h3 id=\"one\">1. Check your credit score<\/h3>\n<p>Before you shop for financing, check your credit score. According to the FICO automotive credit scoring system, which ranges from 250 to 900, scores below 600 are considered subprime. If you fall into this category, it can be challenging to secure an auto loan with competitive terms, and you could be denied if your score is too low.<\/p>\n<p>Check your credit score three to six months ahead of applying to give yourself time to shop around for lenders. That way, you can start searching for lenders that offer the best rates for people in your credit range. Repairing your credit score before you apply will also put you in a more favorable position with lenders.<\/p>\n<h4>What is the average auto loan rate for bad credit?<\/h4>\n<p>Because auto loans are separated into five unique categories, the rate you qualify for will depend on where you fall \u2014 a near prime borrower will see much lower rates (and a higher chance of approval) than a borrower in the deep subprime range. <\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table has-fixed-layout wrapped\">\n<thead>\n<tr>\n<th>Credit score range<\/th>\n<th>New car<\/th>\n<th>Used car<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Super prime (781 to 850)<\/td>\n<td>4.66%<\/td>\n<td>7.70%<\/td>\n<\/tr>\n<tr>\n<td>Prime (661 to 780) <\/td>\n<td>6.27%<\/td>\n<td>9.98%<\/td>\n<\/tr>\n<tr>\n<td>Near prime (601 to 660)<\/td>\n<td>9.57%<\/td>\n<td>14.49%<\/td>\n<\/tr>\n<tr>\n<td>Subprime (501 to 600)<\/td>\n<td>13.17%<\/td>\n<td>19.42%<\/td>\n<\/tr>\n<tr>\n<td>Deep subprime (350 to 500)<\/td>\n<td>16.01%<\/td>\n<td>21.85%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><figcaption class=\"wp-element-caption\">Source: Experian State of the Automotive Market, Q4 2025<\/figcaption><h3 id=\"two\">2. Save for a down payment<\/h3>\n<p>Saving up for a down payment will help you finance less, and a smaller principal will reduce your monthly auto loan payment. A down payment can also offset higher interest rates and lower your loan-to-value ratio, which can help you qualify for better terms. And, if you have a lower credit score, making a down payment on a car may increase your chances of being approved for an auto loan.<\/p>\n<p>The general rule of thumb is to make a down payment of at least 20%. If you can\u2019t afford the full 20% and need a vehicle immediately, put down what you can comfortably pay \u2014 but remember, the more you can put down at the start of your loan, the less your overall costs will be.<\/p>\n<h3 id=\"three\">3. Prequalify with multiple lenders<\/h3>\n<p>Prequalification lets you check your eligibility and loan terms before you apply. It can save time and avoid unnecessary hard credit checks, which can briefly lower your credit score.<\/p>\n<p>Once you prequalify with a few lenders, compare rates and total costs to find the best deal. You can then submit documentation and get preapproved with your top picks. A preapproval application will result in a hard credit check, but a preapproved auto loan holds more weight when negotiating at the dealership because it represents the lender\u2019s commitment to extend an auto loan to you.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Bankrate insight\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Prequalification allows you to preview your rate without a hard credit check, but your actual loan applications will involve hard checks. However, if you submit multiple applications within a 14-day period, your applications will likely only count as one inquiry.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h4\/>\n<div class=\"DefinitionList mb-8 DefinitionList--table\">\n            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"type-heading-four leading-8 sm:leading-10 mb-6\">\n    Where to find a bad credit auto loan<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore --><\/p>\n<dl>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Banks and credit unions<\/dt>\n<dd class=\"text-gray-700\">\n<p>If you already have a relationship with a bank or credit union, start here. It may help you save money \u2014 but acceptance criteria are stricter.<\/p>\n<\/dd>\n<\/div>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Online lenders<\/dt>\n<dd class=\"text-gray-700\">\n<p>Many online lenders offer prequalification so you can see what terms you might be eligible for and quickly compare options.<\/p>\n<\/dd>\n<\/div>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Car dealerships<\/dt>\n<dd class=\"text-gray-700\">\n<p>You can finance through a dealership if you cannot secure a loan from another lender. However, you may face high interest rates.<\/p>\n<\/dd>\n<\/div>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Buy-here, pay-here dealerships<\/dt>\n<dd class=\"text-gray-700\">\n<p>Buy-here, pay-here dealerships can be useful if you can\u2019t find another option, but be cautious of high rates and predatory practices.<\/p>\n<\/dd>\n<\/div>\n<\/dl>\n<\/div>\n<h3 id=\"four\">4. Shop loan terms, not monthly payments<\/h3>\n<p>Lower monthly payments look good on paper and are usually used to entice buyers. However, since they come with longer terms, they may lead to you paying more for your car over the life of the loan.<\/p>\n<p>Typically, car loans for bad credit have higher interest rates and more fees. Double-digit rates and an extended term mean you may pay thousands more in interest than the car\u2019s full value by the end of your loan term.<\/p>\n<p>Before you apply for a loan, know the monthly payment you can afford and what annual percentage rate (APR) you can expect for your credit score. The most common guidance is to keep your car costs \u2014 including your auto loan, insurance, maintenance and gas \u2014 between 10% and 15% of your take-home pay.<\/p>\n<p>When you start shopping, look for the most favorable terms \u2014 usually the lowest APR over the shortest period. But make sure the monthly payment works for your budget. This is where prequalification and preapproval come in handy.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Beware of especially long loan terms\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Seven-year auto loan terms have become popular, but borrow with caution. Repaying a loan for a depreciating asset over such a long time means paying even more interest to your lender. Use an auto loan calculator to understand these costs, and opt for the shortest term allowed by your budget.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h3 id=\"five\">5. Consider a cosigner<\/h3>\n<p>Consider asking a trusted friend or family member to be a cosigner on your car loan. Ideally, this individual should have a steady source of income, a strong credit score and an exceptional credit history.<\/p>\n<p>Cosigners reduce lenders\u2019 risk because the cosigner is equally responsible for the loan. Because of this, a cosigner may result in a lower interest rate. However, the cosigner\u2019s credit score can suffer if the loan becomes delinquent, even if they don\u2019t own the vehicle. In addition to this risk, a cosigner may find that it is more difficult to borrow money to meet their own financial needs.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Bring a friend to the lender\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Even if they don\u2019t cosign with you, bringing someone you trust to the negotiating table can help inspire confidence. Confidence, combined with knowledge, can lead to more favorable loan terms.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h3 id=\"six\">6. Avoid financing add-ons<\/h3>\n<p>Never agree to a loan contingent on purchasing any add-ons, such as extended warranties, after-market services or gap insurance. Be aware of these add-ons, especially if you apply at a buy-here, pay-here dealership. In most cases, they are wrapped up in the loan \u2014 meaning you pay interest on services and products you may never use.<\/p>\n<p>Rolling these costs into your loan means you may borrow more than the vehicle is worth, putting you at greater risk of being upside-down on your loan. If you want one of these add-ons, you can always purchase them from a third party once you\u2019ve bought your car.<\/p>\n<h3 id=\"seven\">7. Be sure the terms are final<\/h3>\n<p>If you finance through a dealership, always confirm the terms are final before signing. A dealer may offer you conditional approval so you can drive off the lot, but since the terms of your loan aren\u2019t set, you may face higher monthly payments than you initially agreed to.<\/p>\n<p>Some shady dealers will entice car buyers with low advertised rates but raise rates after the buyer signs a contract. This deceptive practice is called yo-yo financing. While it may seem similar to conditional approval, this practice is illegal.<\/p>\n<h2 id=\"what\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What to do if you can\u2019t get approved with bad credit\" data-outcome=\"\">What to do if you can\u2019t get approved with bad credit<\/h2>\n<h3>Delay your car purchase<\/h3>\n<p>Waiting to buy a car will give you time to pay down existing debt and improve your payment history, both of which will raise your credit score. It will also give you time to save for a bigger down payment, increasing your chance of approval while also reducing the amount you will need to borrow.<\/p>\n<h3>Buy a car privately<\/h3>\n<p>It\u2019s possible to buy a car from an individual for cash, often for much less than you would spend at a dealership. You may be able to find cars for private sale through your local newspaper, classifieds or online marketplaces. Since you won\u2019t be financing your purchase, your credit score and debt-to-income ratio won\u2019t matter.<\/p>\n<p>Of course, vehicles purchased privately usually do not come with warranties, guarantees or legal protections you would expect from a dealership. Your choices will also be more limited, and you must be prepared to pay the full cost upfront.<\/p>\n<h3>Refinance your loan<\/h3>\n<p>In some cases, your best bet is to buy a car with a high-rate loan with the intent of refinancing your auto loan. You can apply to refinance as soon as the car\u2019s title is transferred to your name, but waiting about six months is best so you can establish a strong payment history and improve your credit. That way, you\u2019re more likely to qualify for an improved refinance rate.<\/p>\n<h2 data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\">Bottom line<\/h2>\n<p>Comparing lenders is the best way to check auto loan rates and find the most competitive deal for your financial situation. You may also want to consider an alternative route, like postponing your purchase until your credit score improves or using a personal loan, perhaps with a creditworthy co-borrower or cosigner.<\/p>\n<p>If you find a car loan that\u2019s right for you, make timely payments to help boost your credit score. After your credit score improves, consider refinancing with a different lender to secure better terms.<\/p>\n<h2 id=\"faq\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Frequently asked questions\" data-outcome=\"\">Frequently asked questions<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-accordion-item-0', 'heading-accordion-item-0']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-0')\" :aria-controls=\"$id('panel-accordion-item-0')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Can I get a car loan with a 500 credit score?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-0')\" :aria-labelledby=\"$id('heading-accordion-item-0')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Some lenders will approve borrowers with a 500 credit score, but with stricter terms and much higher interest rates. For reference, the average interest rate for a new car was 6.56% in the third quarter of 2025. At the same time, the average interest rate for a new car was 15.85% for a borrower with a credit score of 500.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-1', 'heading-accordion-item-1']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-1')\" :aria-controls=\"$id('panel-accordion-item-1')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What is the easiest car to get with bad credit?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-1')\" :aria-labelledby=\"$id('heading-accordion-item-1')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Some car brands offer special programs or incentives for buyers with low credit scores. These programs do sometimes have restrictions, such as only applying to specific models, and you may need to qualify for inclusion. Interest rates may still be high for some of these programs.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-2', 'heading-accordion-item-2']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-2')\" :aria-controls=\"$id('panel-accordion-item-2')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Do top auto lenders accept bad credit?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-2')\" :aria-labelledby=\"$id('heading-accordion-item-2')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>There are some well-known and well-reviewed auto lenders that accept less-than-stellar credit. Many lenders offer prequalifiction, which lets you check your rates ahead of fully applying. Try to prequalify with lenders you\u2019re interested in working with if you\u2019re unsure whether you\u2019ll qualify. Doing so will mean your credit doesn\u2019t take a hit.<\/p>\n<p>Some car-buying services, like Carvana, also accept bad credit.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"sm5RaCFg5Q\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. 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rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways Bad credit auto loans are offered by banks, credit unions, online lenders and dealerships. Shop around to find the best deal on an auto loan for your budget and credit profile. If approved, an auto loan can help improve your credit \u2014 provided you keep up with the loan and make on-time payments.<\/p>\n","protected":false},"author":1,"featured_media":23523,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-23522","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Get A Car Loan With Bad Credit | InfinPros<\/title>\n<meta name=\"description\" content=\"Key takeaways Bad credit auto loans are offered by banks, credit unions, online lenders and dealerships. 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