Buying A Car When Your Credit is Less Than Perfect

By barrettmotors | Posted in Uncategorized on Thursday, May 11th, 2017 at 6:19 pm

It’s pretty normal to have credit issues during your lifetime. But even if you do, it doesn’t mean that you still don’t need credit to make large purchases, like for transportation. The good news is, there are ways you can buy a car, crossover, truck or SUV even if you have bad credit. Here are a few things to keep in mind.

  1. Know your credit score. It’s sad to say that some Buy Here Pay Here auto dealerships are not as ethical as they should be. That’s why you should check your credit score before you meet with them, so you know what it is. By checking it, you can also see if there are some quick ways to improve it. For example, if you have three little outstanding medical bills, by paying them, you might be able to qualify for a lower interest rate. Just make sure you have those collections removed from your credit report.
  2. Do your research. A lot of auto dealers don’t want to work with people who have issues with their credit. Or, they will only offer financing on a few select vehicles, so you don’t have many choices. At Barrett Motors, we offer financing for every vehicle at all three of our locations: Sachse, Garland and Rowlett. Rather than drive all over town talking to dealerships, pick up the phone, call dealerships and ask to talk to the finance department. You’ll quickly find out who treats you with respect and who doesn’t.
  3. Look for a vehicle within a two-week time period. Every time you meet with a lender or finance expert, they will run a credit report. However, if it happens within a two week time period, it won’t affect your credit score negatively. If you spread it out over more time, your credit score will get dinged and it will hurt your rating. It’s not fair, but it’s how it works.
  4. Come See Barrett Motors. At Barrett Motors Rowlett, Sachse and Garland, you’ll find great used vehicles with low mileage. And because we’re a Buy Here Pay Here dealership, we can offer great finance options for every vehicle on our lots. Because “We Finance Your Credibility…Not Your Past Inability,” you can usually drive off in the right vehicle for your lifestyle and your budget that day! And since every vehicle has passed a thorough inspection, you’ll drive off confidently, knowing it is an Auto Checked Certified car.

We hope you’ll come see us today at Barrett Motors. You can see our entire inventory online at www.barrettmotors.com. We also have a terrific service department on site, so we can take care of your vehicle in the years to come, from oil changes to major issues. We believe everyone deserves credit so they can buy a car!

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