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Bad credit car loans near Boise, ID

Set yourself up for success

There are many different things you can do to try and raise your credit score. Start by getting your free credit score range then head on over to our car loan payment calculator. This will give you an idea as to how much you can afford and what your interest rate will likely be. And if you’re unsure whether you’ll qualify for a used car loan or not, the only way to know for sure is to get pre-approved in advance. Once we have your information, we’ll work with our network of lenders to get you approved even if you’ve had a repo, bankruptcy, or foreclosure in the past.

All about car loan interest rates

The higher your interest rate, the higher your monthly car or truck payment’s going to be. And if your credit score is low, chances are you’re going to end up with a higher interest rate. A car loan interest rate you can refinance down the road once you start to rebuild or repair your credit. Also, think about the length of your car loan , the longer the length the lower your car payment’s going to be.

Why opt for a used car extended warranty?

Opting for an extended warranty on a used car is well worth the modest investment. Usually for a couple thousand dollars, you can get a robust warranty that’ll last for the life of your auto loan. Not to mention, you can roll the cost of the warranty into your car loan. And when all is said and done, you’ll likely end up paying anywhere from $25-50 more a month. Smart considering the average auto repair bill costs an estimated $500, making purchasing a used car warranty a no-brainer.

Refinance down the road

Once you get pre-approved, check out our selection of quality used cars, pickup trucks, and small SUVs. Then once you decide which vehicle you’re interested in, feel free to schedule a test drive or two. And since we’re mindful of your time, we’ve simplified the paperwork process, so you’ll be out the door in as little as 30 minutes. Just remember, you can always refinance down the road if need be.