Bad Credit is Not the End of the World

Do you ever get a sinking feeling in your stomach when you drive by a car dealership? Are you worried that you can’t get the vehicle you love because your credit may not be good enough to qualify for car financing?

It may just be that the term “bad credit” (like beauty) is in the eye of the beholder. If your credit score is less than perfect, an experienced lender knows that by offering you financing, they are making an investment in your future. An auto loan today means a relationship with a new customer that will grow over time as your credit situation changes. That means that having a lower credit score just might not be the end of the world after all. Here are some ways to improve your credit score.

Avoid Frustration by Getting Pre-Approved for Financing

For many people with a not-so-favorable credit history, making timely payments on a car loan can help improve their credit score. When you’re ready to take that step and start shopping for a new car, it’s helpful to know exactly what you can spend. There are companies out there, such as, willing to finance your next vehicle. Their job is to get you all of the information you need for a quick and smooth car buying experience. They work to give you the peace of mind of having your financing in place, so you can walk into that dealership as a cash buyer. Here is how your credit score is calculated.

If you want to finance a new or used car, truck or SUV that meets your budget, most companies only requires that the vehicle meet the following qualifications:

  • A Passenger Vehicle or Light Duty Truck for Personal, Family or Household Use
  • 2006 Model Year or Newer
  • Less than 100,000 Miles
  • Must be Purchased at a Dealership which sells both New and Used Cars

A lot of companies offer an online approval process, which is quick and easy. Once you submit your application, you’ll receive an answer within minutes.

If you are approved, you will have access to their secure online site where you can complete the loan approval process virtually paperless from the comfort of your home. You will then be able to walk into the dealership with your financing in place, possibly helping you secure a better deal by negotiating price as if you were a “cash buyer”.

If you have less-than-perfect credit, why not try financing your car with a company like

Allow an Armstrong Insurance agent to find you a great rate on your car insurance in Florida.