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Buying and Financing a Car

Are you interested in buying and/or financing a car?

This can be a frustrating experience!

There's no doubt you've heard messages on the radio or television like:

• All Finance Applications Accepted!

Did you know that this is a law? If you want to finance a car, the dealer must take your application, so this is no big deal!

• Everyone Approved for a Car Regardless of Credit History!
Sure, you may be approved for buying a car regardless of credit history (at some really high interest rate or with megabucks down)! If this is advertised, then everyone must be approved. If they aren't, this may be considered a deceptive act and violates state and/or federal laws.

• Bankruptcy, Divorce, No Problem!
The divorce may not be a problem, if you just filed for bankruptcy, that will be a problem. You are barred from applying for credit during a bankruptcy proceeding without obtaining approval from a bankruptcy trustee or a judge. If your bankruptcy has been discharged, then you might be able to get car credit, but it will cost you.

Basically, be ready for some disappointment. Not everyone can do what they claim, but there are legitimate dealers that can and will help you with buying a car. You may pay more for the credit. Also, remember that it is often difficult to convince a lender to lend money to people with poor performance histories. Lenders don't want your car, they want their money back. So, keep this in mind as you visit dealers.

We have additional information throughout this site on buying a car, financing a car, car warranties, tips on what to look for to be sure you get the best car you can for the money you are spending, and much more!

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