Buying a vehicle with little or zero credit can be challenging. Lenders generally like to see borrowers with an established history because it minimizes risk. Having established credit can help you get qualified for a larger loan and even lower your interest rates. Here are a few tips to help you establish credit history.
Order A Credit Report
Make sure that you don’t have any credit history by ordering a copy of your credit report. Things like an unpaid cell phone bill, gym membership or student loans can appear on your credit report and count as history even if you haven’t applied for any loans or credit cards.
Get A Credit Card With Your Bank Or Credit Union
It can be easier to obtain a credit card if you apply with an institution that have an existing relationship with. Apply for a card at the same bank you have a checking or savings account with. If you can’t get approved for a traditional credit card you may want to opt for a secured credit card.
Apply For A Store Credit Card
Store cards tend to have lower credit limits and may have more lenient requirements.
Start building credit as soon as you can as older accounts will have a more positive affect on your overall score.
Our inventory of used cars in Dallas includes sedans, coupes, vans, SUVs, and trucks. Many of our vehicles are less than three years from the production date and are covered by warranty.
We offer an exclusive used car warranty program that ensures that you will get a pre-owned vehicle you can depend on when buying from Auto City Credit. View our dealer inventory online, get a quick quote, and come visit any of our buy here pay here dealerships for a test drive.
USED CAR DEALERS SERVING DALLAS, DFW
The Auto City car dealerships serve the entire Dallas-Fort Worth area, providing used car sales and financing services.
BUY HERE PAY HERE, USED CAR DEALERS IN DALLAS, TX
Shopping for used cars in Dallas-Fort Worth, Texas? Our buy here pay here used car dealerships in DFW offer no credit or bad credit auto financing on used cars and trucks. Even if you have a past bankruptcy, we have a BHPH auto financing solution for all cars on our lot.
As a buy here pay here dealer, we can offer bad credit car loans that other dealerships simply cannot. We are the lender and the dealer, allowing us to sell used cars to buyers with bad credit or no credit.
We specialize in bad credit auto loans and understand that financial difficulties can happen to anyone. If you have challenged credit and are looking for a no-hassle place to buy a car or truck, visit Auto City Credit, where your job is your credit.