Less Than Perfect Credit? Not a Problem!
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All Credit Approved at Countryside Ford
How Our Columbus Ford Dealer Can Help with Bad Credit Financing
Our experts want to help every driver get into a model that they will love, regardless of what their credit looks like. We want to help you see how you can finance a vehicle, even if you have a bad credit score. Other dealerships near Madison might just turn you away, but Countryside Ford would rather assist instead. We want to help you get the information that you need to find a payment plan that suits your lifestyle while also improving your credit along the way.
Tips to Consider Before Buying a Car with Bad Credit
There is a lot you can do to help improve your credit before getting a car loan. Many drivers with bad credit near Fond du Lac have gotten attractive financing plans after listening to our experts.
Work on Rebuilding your Credit
While this might sound like a daunting task, it boils down to a few essentials that are hurting your score. Things that hurt your score include:
- Accounts that are overdue
- Disputes with your payments or accounts
- Debt remaining on previous loans
Steps to remedying these issues include paying your balances on time, getting rid of debt that you have, and avoiding having too many credit cards.
Current Credit History is Important
The months leading up to a car loan are an important consideration for a lender. A few things to avoid when leading up to bad credit auto financing are:
- Late rent payments
- Transferring balance on credit cards
- Tax-liens
- Filing for bankruptcy
Comparison Shop for a Plan that Suits Your Needs
There are many options to choose from when looking for auto financing, which is why comparison shopping is so important. You can compare and check what each lender offers to know you are getting the best plan. Luckily, our financing department has an in-house subprime division with over 40 credit lenders will give you a variety of options without needing to stop at many different places.
Prepare a Budget
Knowing what you can afford is important to help you decide which car, truck, or SUV you should start looking at. Our team will help you search our new Ford models to ensure you are getting one that stays within your budget.
Have Money Ready for a Down Payment
Saving up for a larger down payment will reduce the amount you need to borrow, lowering your monthly payments. The lower monthly rate can make it easier for you to build your credit by making full, on-time payments on the loan.
Request Pre-Approval for Financing
Financing pre-approval from lenders can be a beneficial move for anyone who has credit that's struggling. Each institution might have different requirements and will offer different rates, so remember to continue to compare options when getting pre-approved.
Learn More About Financing a Vehicle with Bad Credit by Contacting Our Team
We know there is a lot to consider when you are financing a vehicle near Watertown, but our team is here to help with every step of the process. Our goal is to make the process as transparent and straightforward as possible, keeping you feeling confident throughout it. We encourage you to reach out with any questions or to get started with bad credit financing.
We have helped many Sun Prairie drivers, and we are excited to help you too. Feel free to reach out by phone, chat, or email to get started moving towards a financing plan that suits your needs.
Contact Our Financing Team-
Countryside Ford Inc.
330 Transit Road
Columbus, WI 53925
- Sales: (920) 623-5960
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