How can I get a car without a credit check?

How do I buy a car without going through a credit check? I don’t have the best credit score, and I'd rather not get another ding if my credit is checked during the application process.

Credit checks can take a toll on your credit score, so it’s tempting to avoid that when buying a car. But while it is plausible, it does come with some risks.
To buy a car without a credit check, you’ll have to buy it from a dealership. Most dealerships will only require you to provide proof of:
  • Steady employment
  • Ability to repay (low to debt-to-income ratio)
  • A sizable down payment
    But loans from dealerships also come with:
  • High rates
  • Long loan terms
  • Large repayments
  • Risk of repossession
So before you decide to buy a car without a credit check, consider these alternatives:
  • Getting a car loan with a cosigner
  • Applying for an unsecured personal loan with a cosigner
  • Applying for a car loan despite having bad credit
  • Applying with a community development financial institution (non-profit banks that offer favorable financing to community members)
If you’re worried about the expenses that come with a car, then consider saving money on car insurance through Jerry. Jerry is an insurance comparison app that shops for low prices with over 50 different insurance companies for free. You will get quotes in seconds, can make changes at any time, and if you ever have any questions, agents are just a text away!
Hana Sabah
Answered on Oct 29, 2021

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