Straight up here's the deal: If you're not in bankruptcy, if you have a job that grosses $1,800 a month, and if you haven't had a vehicle reposessed in the last 12 months, there's a good chance we can get you a loan. Note the term "good chance." We're not one of those "everybody is approved" outfits that charge you outrageous rates. We are an electronic middleman that matches people up to the best possible rate their credit will allow among our network of some 400 lenders.
The bottom line is that bad credit paralysis is worse than any bad credit auto loan. That's because as you pay off the loan, you'll start bringing up your credit score -- which means you won't be stuck in the poor credit box forever.
More importantly, on a practical level the difference between a 15 percent rate and a 22 percent on a $10,000, three-year car loan is less than the cost of a daily Starbucks. That's a small price to pay for a chance to move forward and get on with your life.
Another thing that's important to remember is that most Americans have at least one credit ding. No wonder then that auto dealers are much better now than they used to be when it comes to dealing with bad credit history customers -- they see more and more of them every day. The last time we checked, 43 percent of all car loans were held by people with less than prime credit.
Our final point regards Internet customers like yourself. By coming into the process focused on financing first, you'll be treated better than an "up" just showing up on the lot. So go head, click apply here, and see for yourself.
