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Is there a way to get a car loan without a cosigner if I have bad credit?
I have bad credit, but I don't have anyone to cosign on the loan. Can I get a car loan even without a cosigner?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear about your tough situation! However, I’m glad to say that even if you have bad credit, you still have options for a
car loan
without a cosigner. Here are some methods to try:- Shop around rates online. This way, you can compare different quotes without being limited in area.
- Talk to local banks and credit unions. Local companies are often more willing to work with you if you have bad credit without automatically assigning a high rate.
However, you should watch out for
buy here pay here
dealerships, as well as subprime lenders. These companies will charge you exorbitant interest rates if you don’t have good credit.If you end up needing a cosigner, it’s not the end of the world. Even people with decent income and credit may still need a cosigner from time to time—and thinking outside the box may help you find one!
If you can obtain a loan, don’t forget about your car insurance, as you’ll need full coverage car insurance. One easy way to find the best coverage for you is with the
Jerry
app—we’ll get you customized quotes from top providers so that all you have to do is choose the plan that works best for you!Best of luck with the loan!
MORE: How to get a cosigner for a bad credit car loan
View full answer
- Gregory R.
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