Expert Advice for Bad Credit

All Articles on Bad Credit

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.
avatar
Serena Aburahma
Sep 03, 2021
Getting a Car Loan with Bad Credit
Although you might find yourself with less favourable loan terms, chances are you can still get a loan with bad credit, but be sure to read your terms carefully
avatar
Jacoba Bood
Aug 20, 2021
Does Getting a Copy of Your Credit Report Hurt Your Credit Score?
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.
avatar
Brady Klopfer
Jan 08, 2021
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.
avatar
Marisol Pereira
Dec 08, 2020
What Are Your Car Insurance Options if You Have Bad Credit?
You have more limited car insurance options if you have bad credit. Here are the ones that are available to you, as well as some tips on how to pay less for coverage.
avatar
Jason Unrau
Nov 25, 2020
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.
avatar
Elan Mcafee
Nov 24, 2020
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 how to navigate if you have bad credit.
avatar
Elaine Sulpy
Oct 23, 2020
How to Buy a Car When You Have 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
avatar
Mary Kurz
Jan 29, 2021

All Questions on Bad Credit

Can gap insurance help me if I'm upside down on my loan?
I have bad credit and had to get a loan with a longer term and higher interest rate. I currently owe more on my loan than my car is worth. Would gap insurance help if something happens to my car?
avatar
Emily Maracle
Aug 16, 2021
Will getting rejected for a car loan hurt my credit?
My credit score is already kind of blah. I don't know if it can handle another blow.
avatar
Jim Donaher
Aug 09, 2021
What does Tier 5 credit refer to?
Is Tier 5 credit good? My lender told me that I'll have to settle for a higher interest rate on my car loan because I have Tier 5 credit.
avatar
Eric Schad
Jul 15, 2021
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.
avatar
Eric Schad
Jul 15, 2021
Do lenders look at Equifax or TransUnion for your credit report?
Do lenders look at both credit reports? My Equifax report is spotless, but my TransUnion score isn't nearly as good. I'm worried that they'll only look at the lesser score. I want to buy a car and I know that car dealers pull your credit.
avatar
Eric Schad
Jul 14, 2021
Can a cosigner have good income but bad credit for a car loan?
Can a cosigner help me get approved on a car loan if they have good income but poor credit? I want to get a car loan but I need a cosigner. The only person willing to do so is my mother. While she makes great income as a nurse, her credit score is poor.
avatar
Eric Schad
Jul 12, 2021
Can my significant other cosign for a car loan?
Can my boyfriend cosign for my loan? I have terrible credit, but my boyfriend has great credit. I need a car badly and I can't pay cash for one.
avatar
Eric Schad
Jul 12, 2021
What does a voluntary surrender of a car loan mean?
What does a voluntary surrender mean? I got laid off a month ago and I can't pay for my car loan. My family told me to voluntarily surrender my car to avoid a hit to my credit.
avatar
Eric Schad
Jul 12, 2021
How much will a voluntary repossession drop your credit score?
How many points will a voluntary repo drop my credit score? I can't pay for my car note. I was thinking about handing the keys back to the lender, but I'm worried about my credit score.
avatar
Eric Schad
Jul 12, 2021
Should I voluntarily repo my car?
Is it better to voluntarily repo my car or let the bank come get it? I can't pay for my car loan because I got laid off. I'm in desperate need for a quick solution.
avatar
Eric Schad
Jul 12, 2021
What is "good credit" according to car dealerships?
What is good credit according to a car dealership? A car dealer near me will provide 0% interest financing if you have "good credit."
avatar
Eric Schad
Jul 03, 2021
Can dealers deny my loan even if they claim to accept any credit?
Is it common for dealers who accept all credit to deny loans? I went to a dealer that accepts "all credit." However, I got denied, and I'm not sure why.
avatar
Eric Schad
Jul 04, 2021
Can you convince a dealer to give you a loan if you have bad credit?
"Can I convince a dealership to give me a loan even with bad credit? I have bad credit but I want to finance a car through the dealership. They already rejected my loan, but they said they can arrange a loan through some of their partners."
avatar
Eric Schad
Jul 28, 2021
Can I get a car loan without a cosigner and bad credit?
"Can I still get a car loan if I have bad credit and no cosigner? I have a credit score of just below 500 and I need an auto loan. However, my parents and my friends won't cosign for me."
avatar
Eric Schad
Jul 28, 2021
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."
avatar
Eric Schad
Jul 28, 2021
Why would anyone ever get a car title loan?
"Are car title loans risky and why would anyone get one? I see car title loan commercials on television all the time, but I've also read how predatory their loans are."
avatar
Eric Schad
Jul 28, 2021
What credit score do you need to get a car loan with Bank of America?
"What credit score do you need to get a loan with Bank of America? Unfortunately, I have a credit score of around 550. After shopping around, I saw that Bank of America has some of the lowest car loan rates and good marks for customer satisfaction."
avatar
Eric Schad
Jun 29, 2021
Can you get a car loan with a 450 credit score?
"Can I still get a car loan with a credit score of 450? I want to buy a car to get to work, but I'll need a car loan to do so. I make about $4,000 a month, but my credit score is only 450."
avatar
Eric Schad
Jul 28, 2021

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free