Expert Advice for Bad Credit

All Articles on Bad Credit

Can You Get Auto Insurance With No Credit History?
Most insurance companies look at your credit score when determining your car insurance rates—making it hard to find affordable coverage with no credit history.
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Kathryn Mae Kurlychek
Do Car Insurance Companies Report to the Credit Bureaus?
Although insurance companies don’t report payment or claim information to national credit bureaus, your payment history can still affect your credit score.
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Melanie Krieps Mergen
Does Not Paying Your Car Insurance Premium Impact Your Credit Score?
Simply missing car insurance payments shouldn’t affect your credit score, but debts that go to collection agencies certainly can.
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Cameron Thiessen
Why Is My Credit Score Dropping?
From late payments to identity theft, here are the most common things that can cause your credit score to drop—and what you can do to recover your good standing.
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Sarah Gray
How Long Does a Repossession Stay on your Credit?
A car repossession will stay on your credit report for seven years, starting from the date of your first missed loan payment.
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Shannon Fitzgerald
How to Build Your Credit Score Without Applying for a Credit Card
You can establish credit by getting a personal loan, paying your rent and bills on time, or becoming an authorized user on someone else’s card.
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Jacqulyn Graber
How Do Credit Scores Work?
Your credit score is a number based on your credit report that lenders use to determine how likely you are to repay a loan.
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Alison Daurio
Car Loans for Bad Credit and Negative Equity
Getting a car loan with bad credit and negative equity can be difficult, but it’s possible with this guide from Jerry.
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Maxine Boyko
Car Loans for People with No Credit
Not having a credit history makes it challenging to secure a car loan, but it’s not impossible to get financing—check out Jerry’s expert tips.
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John Pickhaver
Read This Before Leasing a Car With Bad Credit
To lease a car with bad credit, you may have to make a large down payment, pay higher rates, choose from fewer options and adjust the terms of your lease.
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Chanice Boyd
Second Chance Loans—Worth It or No?
You can get money fast with a second chance loan, but you may get stuck with high interest rates or hidden fees. Here’s what you need to know.
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Bonnie Stinson
A Guide On Getting a Car Loan with Bad Credit
This is a guide on how to get a car loan with bad credit. Although you might find yourself with unfavorable loan terms, chances are you can still get a loan with bad credit. Here's how.
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Jacoba Bood
How to Get a Cosigner for a Bad Credit Car Loan
Your credit score has a direct impact on your approval for a car loan. Here's a guide on how to navigate getting a cosigner if you have bad credit.
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Elaine Sulpy
There's a Movement to End Credit Scores' Effect on Car Insurance, and It's Working
Private insurance companies and government officials are working on addressing and eliminating the discrimination brought on by credit score checks affecting car insurance rates.
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Serena Aburahma
Can I Get a Car Loan After Bankruptcy?
Getting approved for a car loan after declaring bankruptcy is possible if you build your credit, save for a down payment, and comparison shop.
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Nick Kunze
What Is Buy Here Pay Here?
Buy here, pay here can help you get a loan at a dealership if you have poor credit—but the loan terms are usually less than ideal.
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Bonnie Stinson
How to Buy a Car With Bad Credit
A car loan will cost you more if you have bad credit but, with a little effort, you might be able to save some money. Here's a guide on how to buy a car with bad credit.
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Mary Kurz
Does Checking Your Credit Score Lower It?
Does your credit score actually diminish when you ask for a copy of your credit report? Read on to find out everything you need to know about your credit score when you check your credit.
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Brady Klopfer
How NSF Fees Can Impact Your Credit Score
Are non-sufficient fund (NSF) fees something that can damage your credit score? The answer is both yes and no. Here's what you need to understand.
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Marisol Pereira
The Best Car Insurance for Bad Credit Drivers
You have limited car insurance options if you have bad credit. Here's a guide on the car insurance options available to bad credit drivers, as well as some tips on how to pay less for coverage.
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Jason Unrau
How to Monitor Your Credit Score for Free
Monitoring your credit score in the most efficient manner is easy to do with the right tools.
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Elan Mcafee

All Questions on Bad Credit

Should I use a car loan to rebuild my credit?
I want to rebuild my credit, but I also need a set of wheels to get around. Is a car loan a good way to rebuild credit?
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Eric Schad
How do I dispute a car loan on my credit report?
I was taking a look at my credit report and I noticed a car loan with a balance of $11,231. I've never had a car loan and I have no idea where this came from. How do I dispute it?
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Eric Schad
How do I remove old addresses from my credit report?
My credit report has the wrong address listed so the lender that I’ve been talking to won’t accept it. I don’t know how to fix it and I’m super annoyed! What should I do? How do I remove old addresses from my credit report?
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Liz Jenson
Can I get a car loan with a 549 credit score?
I really need a car loan. My current car is in the shop, and the repair bill is $1,200. The mechanic told me the car isn’t worth that much, so I should get a new car. With a credit score of 549, am I eligible for a car loan?
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Eric Schad
What credit score do I need to get a car loan from Carvana?
"Will Carvana approve me for a loan if I have low credit? I was looking at Carvana for my next car, but I also heard they have excellent financing. However, my credit isn't great."
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Eric Schad
How do I get a car loan with poor credit?
I have poor credit. I need a car loan to get a car so that I can get to my new job. How do I get a car loan with poor credit?
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Lauren Smith
Is 552 a good credit score?
I checked my credit score for the first time yesterday, and it was 552. Is this a good or bad score? I’m getting ready to buy a car for myself and I’m wondering what kind of impact this score could have.
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Liz Jenson
Can I get a car loan with bad credit?
My credit score is considered bad. I'm trying to work on it and didn't want to take out any loans until I improved it, but our car just died. I need a vehicle to make it to work, pick up my kids, and drive my grandma to appointments. What’s the best way to get a car loan with bad credit?
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Lauren Smith
How can I print a credit report from Credit Karma?
I’ve been trying to build my credit score for a while so that I can get a lower lease on a new car. I want to print my report so I can better understand how I can improve it. How can I print my credit report from Credit Karma?
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Melanie Johnson
How can you get a car loan with bad credit?
I need to get a car loan, but I have really bad credit right now. What can I do to up my chances of getting a car loan with bad credit?
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Liz Jenson
Can I get a used car loan with bad credit?
My credit score is below 530, and I’m looking to get a loan for a used car. Can I get a used car loan with bad credit?
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Michael Miserendino
How do I dispute a judgment on my credit report?
Is there a simple way to dispute a judgment on my credit report? There’s an item on my credit that I think was marked incorrectly and it’s really bringing down my score. I would love to fix this issue as soon as possible!
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Liz Jenson
Can I get a car loan with a 578 credit score?
I’ve been working at rebuilding my credit for almost two years now after some poor choices in my past. The only issue I’m having is that I need a car to get to my new job and I don’t have the cash to pay for one outright. Will a 578 credit score get me approved for a car loan?
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Eric Schad
Do I need a cosigner to buy a car?
Am I allowed to get a car without having a cosigner if I don’t have any credit history? I’m only 18 but I make all of my own money and I want to buy a car for myself. I don’t want my parents to be involved because they’re not always the most financially responsible people. Do I need a cosigner to buy a car?
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Liz Jenson
Can I get a car loan with a credit score of 450?
I have really bad credit from some poor decisions I made when I was younger. That said, I still need a car. Can I get an auto loan with a 450 credit score?
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Eric Schad
What's the typical penalty for refinancing a car loan?
I want to refinance my car, but I've read there's a penalty for doing so. What's the typical penalty for refinancing a car loan?
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Eric Schad
How can I get a good car loan with bad credit?
I’ve got pretty bad credit, but I would really like to get a car loan. I want to accept a new job I was offered, but I don’t think my current car would be able to handle the commute. Is it possible to get a good car loan even if my credit is bad?
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Chloe Jenkins
Can I finance a car with no credit?
I don’t have a credit history, but I just moved out on my own and I really need a car. Can I finance a car with no credit, or will I have to get a cosigner?
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Liz Jenson
How do bad credit car loans work?
My credit is honestly terrible. I maxed out a few too many credit cards and now I’m working on building my score back up. But I really need a new car. How do bad credit car loans work?
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Chloe Jenkins
How long does a car repo stay on your credit?
When I was 20, I got my first car. I wasn't responsible, and it ended up getting repossessed. I'm 24 now and much more financially stable. I'd like to get another car, but I'm not sure if I'd qualify for a loan. How long does a repo stay on your credit?
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Emily Maracle
Can I be approved for a car loan with a 420 credit score?
I want to get a car loan, but my 420 credit score is looking a bit low. Can I still get approved? What kind of interest rate am I looking at?
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Eric Schad
How do you get car insurance with bad credit?
I have a poor credit history from my 20s and I haven't been able to make significant credit gains in the past couple of years. How do you get car insurance with bad credit?
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Carlos Kirby
How does trading in a car you owe money on work?
How do you trade in a car that is not paid off? Things have been tough lately and I want to trade in my luxury car for something a bit more modest. I still owe on my car loan though, so is this even possible?
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Hana Sabah
My credit score is 401, so would I be approved for a car loan of $17,000? How much would I have to put down?
My car was stolen and I need a new one. Last I checked, my credit score is 401, and my next credit report won’t release until the 1st of December. Would I be approved for a $17,000 car loan, and how much would I have put down? Could I also bring home $3,000 of it?
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Jack Walsh
Is it legal to run a credit report without permission?
Can my mom get into trouble for checking my credit report without asking me? She used to be an accountant and she’s really interested in my finances, but I’ve told her before that I’m an adult and I want to be in charge of my own money. Is it legal for her to check my credit against my will?
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Liz Jenson
What's the minimum credit score needed for a car loan?
I want to get a car loan, but I only have a 575 credit score. Is that good enough? Is there a minimum needed?
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Eric Schad
How do you hide your car from repossession?
What's the best way to prevent my car from getting repoed? I’ve recently fallen behind on payments. But I got a new job and should be able to make payments again soon.
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Hana Sabah
Does Chevy Finance require a minimum credit score?
Does Chevy Finance require a certain credit score? I want to buy a Chevy Bolt and Chevy Finance has some great promotional APRs. That said, my credit isn't great.
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Eric Schad
With a 580 credit score, what kind of car loan can I get?
I’m looking to buy a new car, but my credit score is 580, which I know isn’t great. Is there any way for me to qualify for a car loan with a bad credit score?
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Michelle Ballestrasse
Can I get a car loan with a low credit score?
A few years back my wife and I decided to sell most of our assets (car included) to try and start our own business. Once COVID came, we were forced to shut the business down and take a major hit to our credit scores. Now we need of a car to get to work, but I’m afraid our low scores may not be enough for a loan. Can we get a car loan with low credit scores?
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Michael Miserendino

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