Would it be possible to finance a brand new car with bad credit?
Alicia D asked:
If you have bad credit, but a nice sized down payment would you be approved to finance a car?
If you have bad credit, but a nice sized down payment would you be approved to finance a car?
Tags: Bad Credit, Brand New Car, Finance Car
April 4th, 2009 at 8:47 pm
If you have 50% down….. yes.
April 6th, 2009 at 8:04 pm
with the economy probably not. you could get a loan from the dealer but that will be some insane apr so i take it back. you could you would just get hosed
April 7th, 2009 at 12:04 pm
it could be very likely,because of the size of down payment,but your interest rate maybe higher.
April 10th, 2009 at 7:20 pm
It’ll cost ya in interest.
April 13th, 2009 at 5:24 pm
Maybe, but the only way you’ll know for sure is to ask. Go to your bank or credit union and get a pre-approval.
April 16th, 2009 at 10:43 pm
I wouldn’t count on it. Even w/ a co-signer, in today’s economy it’s still not enough. You have shown that you cannot be trusted to repay any loan. Bringing in a co-signer does little to guarantee a pay back. What lenders need now is 720+ credit score, 2 yrs on the job, & a very low debt to income ratio. That will vary from place to place. I did hear that b/c Chrysler & GM got decent bail out money, they lowered their credit score requirements to 680. They may be a little flexible, but don’t expect much. What you also need to find w/ a your generous down payment is a huge rebate. If maybe you can get 60% or more of the car paid for, then there may be a chance to get the balance financed. But you can try & I encourage you to do so. G’luck!
April 18th, 2009 at 12:27 pm
No. And anyone who tells you there is a chance with a decent down payment doesn’t work in the finance industry. They don’t have a clue as to how close we still are to a full blown depression.
We’re in this dire mess because of lenders making high risk loans to people with bad credit. And many of them defaulted. They are not loaning money to anyone anymore who doesn’t have at least a 621 FICO score (subprime APR) or a 720 score (prime APR).
They also wont loan money to you if you have any 60 or 90 day late pays, 3 or more 30 day late pays, collections, charge offs, repo, bankruptcy, tax liens, over 70% of your available credit on charge cards, less than 2 years at your current job, making less than $2500/mth, or more than 34% debt to income ratio.
It’s very difficult to get approved today. And with bad credit, you’ve already established that you’re not responsible. Even with a 50% down payment, you’ll still be turned down because you’re too high a risk to gamble the other 50% on.
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