Bad Credit Car Loans in Oakland – Apply online today!

Bad Credit Car Loans in Oakland – Apply online today!

May 28 , 2019

Bad Credit Car Loans in Oakland – How We Can Help You!

If you are searching for bad credit car loans in Oakland, then you have come to the best place. We are and we can help you find the best lenders to do business with. All you need to do is present some standard information about yourself. From there lenders in the network we work with will be happy to speak with. And don’t despair they will work with you even if you have a less than perfect credit score. The majority of our clients have bad credit. You may feel like you will never be able to get a bad credit car loan. However, it doesn’t have to be that way. Bad credit car loans are still offered to people by many lenders. And what we do best for you is identify where to look.


Having Poor Credit Does Not Mean You Can’t Get A Car Loan

Just because a lot of mainstream lenders are uninclined to work with you for having bad credit. Nevertheless that doesn’t mean you are 100% positively shut down from getting a car loan. There are other lenders that are a lot more open. Mainstream lenders are so set in their ways. In our network are more resourceful lenders. They may possibly be able to work with you in creative ways. Maybe for a scaled-down loan amount. Possibly, for a relatively higher interest rate. Increasing the length of your loan from 5 years to 6 years is another possible way to getting you a bad credit car loan. There is also the option lenders use which is having another person “co-sign” with the borrower on the loan. They will consider your recent income and bills. And are less likely to ding you for mistakes that might still show on your credit rating.

Lenders in competition for you loan
Lenders battling for your car loan keeps your payment lower!

Selecting the Right Lender

Mainstream lenders don’t really do many bad credit car loans because they are a far more specialized type of loan. After all a loan that suits one person may not suit another. Apply online at and you will have a group of lenders that you can go with. And one that looks to suit your circumstance. It can be difficult to find the perfect lender. Even more so if you are in a difficult to serve audience. For example, if you are self-employed like an Uber driver or Lyft driver. Or if you have had a bankruptcy in the past. The majority of people who apply online with us are able to get hold of a lender that works well for them.


Don’t Go Crazy With Your Car Loan

Trying to living by this one rule I think would help almost everyone. And it is especially important for people who have bad credit. It is that you should borrow only what you need. Bad credit car loans are more expensive than loans for people who are in the more ‘desirable’ side of the market. Why pay any more interest than you need to? The less you borrow, the less expensive your monthly payment will be. Which in turn means more cash in your pocket in the long term. Work out with the lender just how much you can afford to borrow first off. Then go pick out a car that is within your loan amount. Try to find tactics to bring the cost down. Will you trade your older car in? Do you have a way to come up with a larger down payment?


Go Through The Details Of Your Car Loan

Whether you are applying for a bad credit car loan from or from a mainstream lender. You should look at the entire cost of the loan. Consider if there are consequences for repaying early. In addition, look at the length of the loan. Make sure the loan options you select is one that you are comfortably able to make each month.  You don’t want to sign a 3 year loan and have a $1000 car payment. However, you don’t want to have a 72 month loan with a 18% interest rate on a $10,000 car either. Also, after a few years of payments your credit should have started to rebuild. So try and refinance your loan.

People looking over their credit report
Pull your credit report and check for errors or mistakes

Working On Your Credit Before To Applying For Bad Credit Car Loans Can Help A Lot

Before you go searching for a car loan, it is a good idea to try to increase your credit score. Obtain a print out of your credit history from the different credit agencies and make sure everything on it is correct. Get any inaccurate associations or entries purged. And absolutely make certain that you are making all your monthly payments on time. That way you can gradually over time rebuild your credit score. You would be surprised at how much of a favorable impact that can have on your credit score. In fact, a modest improvement in terms of ‘points’ might move you out of the sub-prime bracket and make things easier for you to get an affordable car loan. Apply online at and we will help you to find the lenders that best fits your situation.

Here is a link to a video I made explaining how using a car dealerships financing isn’t always your best option. Just in case the video isn’t working.


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