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How do you get a car loan with bad credit?
My credit is pretty bad but I need to buy a new car. What is the minimum credit score you can have to get a car loan?
Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
How do you get a car loan with bad credit?
Don’t worry, you can still get a car loan with bad credit. There technically isn’t a minimum credit score requirement to qualify for a loan.
The challenge you’ll face is finding the right lender or loan. Some lenders specialize in clients with bad credit. You can find such lenders by doing a quick Google search. However, you will likely encounter high interest rates if you go this route.
To get a better loan, you may want to consider finding someone to cosign on the loan. They’ll need to have a good credit score and solid financial history. You’ll want to ensure you can easily afford your loan payments, though, as defaulting would impact both your and your cosigner’s credit score.
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