Whether you are a first-time buyer with no credit or are struggling with bad credit
head to Bob Ruth Ford in Dillsburg, PA. Here at Bob Ruth Ford, we have a large selection of new and used cars for sale that you will not want to miss. Not only that but we also have a team of friendly and knowledgeable people who are happy to answer any questions you may have about one of the many new and used cars for sale in PA. Here at Bob Ruth Ford, we understand that when it comes to Bad Credit Auto loans your chances of driving away in a vehicle you love and slim to none. Which is why we are happy to show you our vast inventory of used cars for sale near Harrisburg, PA. We know that sometimes bad things happen to good people, but that should not stop you from getting into the vehicle of your dreams. Our team at this bad credit car dealership will work with you to help you figure out what your best options are for financing. It is no secret that your credit history plays a significant role when it comes to buying a vehicle. Which is why many people are asking how to buy a car with bad credit. There are a few steps you can take when it comes to financing a car with low credit here in Dillsburg, PA.
1. Check Your Credit
The first thing to do is to make sure you have bad credit. For many people, they may believe they have bad or low credit then later find out that it was in an okay range. To fully understand what your credit score and your credit history is, it is essential to understand what a credit score is and how it works. A credit score is a three-digit number that reflects how well you manage your credit.
your score is based on your overall credit history, how much debt you have and your ability to pay it off promptly. With this information car, dealerships or loan companies will determine the loan amount in which you will receive to buy a car.
For many people wondering if they have bad credit because they missed a few payments or have overextended your budget, it is a good thing to check your score before you head to a dealership. This way you can be sure of what your credit looks like and whether or not you will need to apply for a bad credit loan.
2. Improve your Score
Once you have checked your credit score and had a better understanding of your credit history and you feel like you are not where you need to take steps to improve your score. There are several ways you can go about improving your credit score it you that is what you would like to do. However, at Bob Ruth Ford, we are happy to help you with a bad credit auto loan as well here in Harrisburg, PA. When looking to improve your score, there are a few things you can do:
- Check your credit report thoroughly there may be hidden mistakes that you did not notice before and once corrected could help your score go up.
- Give yourself a minimum of 30 days to dispute credit report mistakes; reports are only updated once a month so it will take time to see a difference.
- If your score is better than what you expected to try paying off credit card debt, or any other debt before car shopping.
3. Find a Dealer Who Will Work With You
If you are in dire need of a vehicle sooner rather than later, find a car dealership with guaranteed credit approval or offers bad credit car loans.
Working with a dealership that understands your current credit situation and will not judge you on past credit mistakes is vast when it comes to figuring out how to finance a car with bad credit. Make sure you understand the full terms of your financing contract and that you are driving away in a vehicle that is both safe and reliable.
Ford Dealers in Dillsburg, PA
When it comes to finding bad credit car dealerships you need to head to Bob Ruth Ford in Dillsburg, PA. We offer guaranteed financing regardless of your credit history and are happy to work with your current credit situation.
Our Ford motor credit center
, has a team of people who are glad to answer any questions you may have about the financing process. Plus if you do not have time to stop by our dealership, you can always use one of our many online resources as well. When you are wondering how to finance a car with bad credit head to the Ford dealer near you Bob Ruth Ford at 700 North US Route 15 Dillsburg PA, 17019.