Poor Credit Car Loan Indiana PA
Get the Car of Your Dreams at Tri-Star Indiana!
Have you always wanted to drive home in a Jeep Wrangler? What about a Ram 1500? We know that your perfect car is right here at Tri-Star Indiana, but with potential credit card score issues, this could seem like a pipe dream. We're here to reassure you that you can drive home in the ride of a lifetime, even with a poor credit score. Our goal has always been to assist our customers however possible, and in this instance, we want to give you a closer look at what you can do to get the car you've been looking for at a price that works for you, and a loan that makes you feel comfortable and happy. All you have to do is keep reading below as we dive deeper into what you can do with a poor credit score, and how Tri-Star Indiana can help you out the best. Whether you're from Johnstown or Kittanning, we have your back.
What could be lowering my credit score?
The first step in getting a loan with a poor credit score is to fully understand what factors are responsible for lowering your credit score in the first place. We know that there is a lot to consider here, but everything is that much easier when you have the full picture out in front of you. There are two major factors that you want to think about here.
- High amounts of debt: Do you have a lot of debt on your credit cards? If you are someone who is using almost the entirety of your allotted credit amount, then this could be something that shows lenders you are not someone who could necessarily be trusted to pay things back in a timely manner, or at all. The high debt-to-credit utilization can be extremely poor for your credit score in mind.
- Late payments: Another thing that will immediately lower your credit score is if you tend to be late on your payments. There is nothing that lenders love more than someone who will make on-time payments on a loan, as it states that you are a reliable person who can be counted on to stick to any contracts that were agreed to. The more on-time payments you make, the more you can increase your credit score the better.
What vehicles should I consider buying with a lower credit score?
There are two options that we think you should consider when working with a poor credit score. We highly suggest checking out the base trim levels of a new ride like the Grand Cherokee, Ram 1500, or Gladiator. Base trims tend to be more affordable than the higher trim levels that come with all of the bells and whistles. If you want a new car, the base trim is a great way to get the car you want for a price that may be easier to handle with your credit score in mind. Another option that you should think about is what you can gain when you look at the used inventory we have available at Tri-Star Indiana. Everyone in Indiana is more than welcome to view the entirety of our used models and price them out to make sure it's an option you can afford. Our sales and finance teams are excited to work in tandem to find you the best options possible.
Can a co-signer help me with my car loan?
Yes, of course! Something we recommend to many of our customers, depending on current circumstances, is to consider finding someone you trust to be a co-signer on your next auto loan. We want to reiterate the point that this is an extremely important decision that should never be taken lightly. However, if you do want the best loan possible with your favorite ride, this is a great way to give the lender the confidence necessary to give you the best deal possible. Should you not be able to pay your loan, it's the job of your co-signer to pay the loan for you. Should you have more questions about the loan options or the job of your co-signer, feel free to discuss all of this with our finance team as much as possible.
View the Full Inventory of New and Used Cars at Tri-Star Indiana
Now that you know more about your credit score and getting the best loan for your next ride, we hope you will stop into Tri-Star Indiana today. We know that we can offer you all of the assistance you need to make the best decision for your life. Feel free to ask us more questions through the form below or by giving us a call. Nothing matters more to us than our customers, and we will continue proving that to you year in and year out. Let's get started on this journey together!