Lou Sobh KIA

Can You Finance a Car With No Credit?

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Are you a first-time car buyer with no real credit history? Maybe you are in the process of improving your credit score. No matter your financial status, everyone deserves a reliable automobile. You may be wondering if financing a car with no credit is a possibility for you, the answer is yes! The process of financing a car with bad credit or no credit may be a bit more complicated than if you had a strong credit history, but the finance team here at Lou Sobh Kia is dedicated to finding a solution to get you behind the wheel. Learn more about financing a car with no credit and bad credit financing with us below.

Tips for Financing with No Credit or Poor Credit

If you decide to take on a finance agreement with no history of credit, be mindful that you will likely need to prepare for a sizeable down payment. Additionally, your agreement may include a higher-than-average interest rate. Establish your budget before you visit the dealership, but leave some room for negotiation. Keep these tips in mind when attempting financing a car with bad credit or no credit:

Don’t Assume You Won’t Be Approved
If your credit score needs work, you may assume that an unfavorable financing agreement is the only option you have. This may not be the case. Discuss all of your options with our finance experts to see what deal will work best for you while you improve your credit.

Improve Your Credit Score if Possible
A great way to improve your financial situation across the board is to improve your credit score when possible. Establish action plans to pay off any outstanding debt as many lenders will be happy to work out a payment plan. If you have subpar credit, you can get qualified with our lending team to get behind the wheel of a reliable model for your Alpharetta commute.

Apply for Loans the Smart Way
Every financing application you submit will have a negative impact on your overall credit score. If you shop strategically, placing all of your financing applications within a 14-day window will limit the potential damage to your credit.

Don’t Accept Just Any Offer
If you’re considering financing a car with bad credit, it’s important to note that you have the freedom and flexibility to explore offers from lenders across Dawsonville. The first offer that comes your way may not be the best and will likely not be the only one available to you. Bad credit car finance offers can be sought from many financial institutions as lenders are often willing to help you improve your score.

Be Prepared for Higher Costs
Be ready for sizeable costs associated with your bad credit car finance agreement. The opportunity to bring home a quality vehicle to Gainesville is exciting, but be aware that you may need to save for a large down payment.

Apply for an Auto Loan at Lou Sobh Kia

When you visit our finance office in Cumming, you will see that we do things differently. We make obtaining a bad credit car finance agreement obtainable to our friends and neighbors because we believe every driver should be able to safely navigate in a reliable model. Contact us today for one-on-one car buying guidance or you can apply for financing online to get pre-approved.

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1135 Buford Rd • Cumming, GA 30041

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Lou Sobh Kia 34.1759468, -84.1271533.