Build Your Credit With an Auto Finance Loan

Build Your Credit With An Auto Loan

If you have bad credit, you might think that getting an auto loan is nearly impossible. While bad credit can make the process a little more complicated, you can still get an affordable auto loan on a high-quality vehicle. What's more, timely payments will help your credit score! Take a look at these tips to learn what you can do to secure a loan and start improving your credit!

Ask Your Friends or Family to Cosign

Your friends and family know you best, so even if you have bad credit, they understand that you are a reliable person. Is there someone in your family who would be willing to cosign on your auto loan? If so, they can help you secure a larger loan and possibly lower your interest rate.

Consider a Longer Payment Period

Depending on your budget and current expenses, it could be difficult to save for a down payment on your vehicle purchase, but bringing even a small amount to the table can greatly increase your chances of getting a bad-credit auto loan. It doesn't have to be much, even a few hundred dollars can make a difference, and it will show lenders that you are capable of handling money responsibly.

Keep an Open Mind on Options

Everyone wants a brand-new vehicle with a fully loaded interior and all the best comfort features, but sometimes you have to compromise when you have bad credit. Remember that bad credit is temporary, and as you start making regular payments on your auto loan, your credit score will show steady improvement. You may not get everything you want now, but it won't be long until you can bring home the car of your dreams!

Bring Proof of Income, Tax, and Other Documents

The more information you can bring with you, the better. Bring pay stubs, tax documents, proof of income, and anything else that will give lenders information on your ability to repay an auto loan. Some lenders may want to see different information, so bring it all with you just to be safe and you'll improve your chances at an affordable auto loan, even with bad credit.

Drivers in Portsmouth, North Andover, and Dover can get the financing they need on a reliable, comfortable vehicle.  Let us help you  improve your credit score through an affordable auto loan.

Portsmouth Nissan | Port City Nissan

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Port City Nissan

120 Spaulding Turnpike
Directions Portsmouth, NH 03801

  • Sales: 603-294-9399
  • Service: 603-294-9397
  • Parts: 603-294-9398


  • Monday 8:30 AM - 8:00 PM
  • Tuesday 8:30 AM - 8:00 PM
  • Wednesday 8:30 AM - 8:00 PM
  • Thursday 8:30 AM - 8:00 PM
  • Friday 8:30 AM - 6:00 PM
  • Saturday 8:30 AM - 5:00 PM
  • Sunday 11:00 AM - 4:00 PM