Bad Credit Car Loans for Poor Credit Buyers – Valley Auto Loans

100% Bad Credit Car Loan Application Acceptance Bad Credit Car Loans for Poor Credit Buyers

Having poor credit, regardless of the reason, does not preclude you from needing a car. That fact should be a given for everyone. Unfortunately, when it comes to shopping for bad credit car loans, a poor credit score is an automatic third strike against you. In fact, many people who have a bad credit score almost automatically try to think of alternative methods of transportation because they know that chances are they won’t be able to qualify for the money. Until now.

The truth is, especially in a down economy such as the one we find ourselves in today, everyone is looking to provide financing wherever they can find applicants, regardless of credit score. This especially includes those who make their living selling higher priced items such as car dealers. And regardless if you believe it or not, even with a bad credit score, you can still qualify for financing. You just need to know how to go about doing it with a poor credit score and this article will show you how to do just that.

Mindset First

No commander goes into a battle without having some intelligence about the foe he is facing. Likewise, the most important thing that people who have bad credit can do when beginning a search for car financing is to know as much about what they are facing as they can. And the first among these tidbits of intelligence is to understand that even in down economies, such as the one we find ourselves in today, those who provide vehicle financing need to make a living, even when things are bad. When things are bad, however, lenders need to relax and lower standards in order to get business, especially when they know that every other lender out there is doing the same thing to get the same buyers. With this in mind, the most important thing you can do to get vehicle financing when you have bad credit is the same as if you had impeccable credit: shop around.

Pick and Choose with Bad Credit Car Loans

If you have bad credit, chances are good that the last thing in the world you think you will be able to do is to pick and choose among lenders to give you the funds. That’s part of the mindset you have to develop before you approaching a bad credit car loans lender. That’s because a big part of receiving financing, regardless of your credit standing is mental. You need to approach a lender with the attitude that you have something that they want–your money–and you intend to allow them to have it only when they determine to work with you.

Another important thing to remember is that many people have trouble getting bad credit car loans for more reasons than credit history. For example, even if a person’s credit is pristine, but their credit is deemed to be overextended, they can fail to get the note. For this reason, it is important to realize that your bad credit is just one more reason that a lender could dismiss you for a loan, but you should not let this dissuade you from making the attempt to whomever you decide to approach.


Another important thing to remember when shopping for a car loan when you have bad credit is to understand that especially in this economy, there are a lot of people who are suffering with the same problem. It’s for this reason that there are many lenders in business today who are working with many others in your situation to provide them the funds, especially those who specialize in providing financing to those just like you.

Lenders look at a lot of factors when deciding whether to grant a loan or not. Among these are the reasons why people are having credit problems, And depending on the reason why you are in your situation, chances are good that a lender might be very willing to give you a loan, despite your credit. A good lender can also see through a lot of the smoke and mirrors that are thrown up when faced with the numbers on a loan application. This is even beyond the final credit score. You can rest assured that if a lender sees evidence of a person who has bad credit who is otherwise employed and working to repair his credit, he will look long and hard at that person before turning them away.


Woody Allen is famous for his line that “The biggest part of success is just showing up.” It’s true even for applying for a loan with bad credit. Take courage in your attempt to reach out for help, even in a bad situation. And rest assured that there is someone out there who will help you.