Getting Qualified with Sub-Par Credit

Sign that reads Bad Credit
Buying a car can be a lot of fun. Choosing the right body style, technology and features that you want to include all make for a pretty exciting experience. However, buying can be made a bit more complicated when your credit score isn’t quite up-to-par.

Lucky for you, we’re open to working with a variety of credit scores here at Lou Sobh Kia near Alpharetta. But before you get started, why not learn a little bit more about what buying with an imperfect credit score can look like.

What is a credit score?

Those three digits on your credit report can be crucial to determining what kind of interest rates you get. Scores range from 300-850, and scores above 700 generally mean you can qualify for lower interest rates. This number is calculated on your credit history, which could include things like late payments on car loans or credit cards as well as how long you’ve had your financial accounts.

Establish your price range

If your credit score isn’t great, then be prepared for a slightly high interest rate on your loan. However, if you buy something that’s a little bit under your desired price range, you’ll find that it’s easier to keep up with your payments. Find out ahead of time what you can afford by applying for financing before you visit our showroom near Dawsonville.

Keep up with your payments

Pay early and chip away at your loan by paying a little bit more than the minimum payment each month. You can even pay off your loan early if you’re able to! Doing so will actually end up improving your credit score, which could mean that when it’s time to buy a car again, you may qualify for a lower, more manageable rate.

Learn more today

At Lou Sobh Kia, our financing department works with customers from a variety of financial situations. You may be working on improving your credit or you may be a first-time buyer with no credit history. If you’re worried about what kind of vehicle you can afford, you can still feel free to stop by and see us. We’ll try our best to find a new Kia vehicle and payment option that works for you.

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