Can You Finance a Car with No Credit?

car salesman handing a car key to a couple

Are you in need of a car in Jackson, but your credit isn’t too great? Or, you don’t have much credit history? You’re probably wondering, “can I finance a car with no credit or bad credit?” The answer is yes! 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 you can get a bad credit car finance plan with the team Wilson Kia.

Financing with Bad or No 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 average. 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 financing a car with bad credit or 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: Even if you have bad credit or no credit, you shouldn’t assume that you automatically won’t be approved for financing. Always ask questions and figure out if there any additional options available to you.
  • Be Strategic When Applying for Loans: When applying for financing, this will impact your credit score. Apply for loans within a 14-day period to limit the damage done to your credit score.
  • Be Prepared for Higher Costs: If you have no credit or bad credit, you will be asked to put down a larger payment and your interest rates will be higher.

Finance Your Next Vehicle with Wilson Kia

At Wilson Kia, our finance team is here to help Ridgeland drivers obtain financing 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 Flowood, you can even apply for financing to retrieve your approval odds. If you have any additional questions, just contact us!

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4204 Lakeland Drive • Flowood, MS 39232

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