Options for drivers with less than perfect credit.
Explore local auto dealers, financing options and practical guides for a range of credit situations, including bad credit, no credit, bankruptcy and Buy Here Pay Here financing.
Start with a location
Make the next decision with better information.
Practical reading for shopping, comparing a contract, and managing a loan you already have.
Set a workable budget, compare the real cost, and prepare before visiting a dealership.
Know how different dealerships arrange financing and what to check before signing.
Read the numbers on a loan offer and understand how each choice affects the total cost.
Review an existing loan and decide when replacing it may make financial sense.
See how average APR changes by credit score.
These national averages are a reference point, not a personalized offer. Your rate can also depend on income, debt, loan term, down payment, vehicle, and lender.
Estimate your monthly payment| Credit score | Average APR, new car | Average APR, used car |
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