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Bad Credit Auto Financing Lubbock, TX

You might think auto financing is beyond your reach if you have damaged credit but poor credit doesn’t mean you can’t buy a car. There are probably more auto financing options that fit within your budget than you realize. With a little effort, affordable car loans can be found, even if you have some blemishes on your credit history.

If you are like most people who have a challenged credit history, you believe you have bad credit because you have been told so by a lender. However, “bad” credit is a subjective term. What might be considered a risky credit score by some financial institutions might be considered trustworthy by others. If you have a previous history of good credit that was recently damaged by unforeseeable circumstances, lenders might consider you a better risk than someone with less credit history.

Start your bad credit loan research by pulling your own credit report and credit score. Depending on how your credit was tarnished (i.e. a few missed payments vs a bankruptcy) you might be surprised to find out that your score is not as horrible as you thought it was. You might also discover that there are mistakes on your report that can be quickly fixed. If possible, run your report at least three months before you plan to buy a car so that you will have time to take action on any outstanding items and make any necessary corrections.

Well established financial institutions often work with reputable car dealerships and through them offer affordable financing solutions. Because auto dealerships work with a variety of auto lenders they can offer a wider range of loan options than can a single financial institution. The Pollard Pre-Owned financing center only works with trusted lenders and can help you find the best possible financing to fit your situation. Our easy Financing Application can help you get the ball rolling with pre-qualified loan approval. If you have any questions about Bad Credit Auto Financing in Lubbock, TX please feel free to contact us.