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How to Get a Car with No Credit

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Are you in need of a car in Jackson, but your credit isn’t too great? Or, you don’t have much credit history? If you have questions about financing a car with no credit, turn to the finance department at Wilson KIA! While it may be more difficult to get financing if you don’t have strong, established credit, it’s not impossible. Learn more about how to get a car loan with no credit with the team Wilson KIA.

Financing a Car with No Credit or Bad Credit

The first thing you should be aware of when financing a car with no credit near Brandon is that both your down payment and interest rates will be higher than drivers with good credit. In turn, you should be sure of your budget and allow for any extra costs just in case. Here are some additional tips you should keep in mind when you’re learning how to get a car loan with no credit:

  • Fix Your Credit Score (if you have one): If you have a poor credit score, try your best to repair it. You can do this by establishing a payment plan and making those payments on outstanding debts in a timely manner. You can also use a credit card to make small purchases, then immediately pay off those purchases.
  • Don’t Assume You Won’t be Approved for Financing: When you’re wondering how to get a car loan with no credit, you shouldn’t assume that you automatically won’t be approved for financing. Always ask questions and figure out if there are any additional options available to you.
  • Be Strategic When Applying for Loans: Apply for loans within a 14-day period to limit the damage done to your credit score. Applications scattered over time can cause further damage to your credit score.
  • Be Prepared for Higher Costs: When you’re financing a car with no credit, you will be asked to put down a larger payment and your interest rates will be higher.

Finance a Car with No Credit at Wilson KIA

At Wilson KIA, our finance team is here to help Ridgeland drivers learn how to get a car loan with no credit or bad credit. We’ll walk you through how car financing works and the best options that suit your budget. Before visiting our dealership in Brandon, you can even apply for financing to get your approval odds. If you have any additional questions, just contact us!

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