How Can I Get Car Financing with a Bad Credit Score?

Finance Paperwork with Glasses

At Genesis Alfa Romeo in Macomb, many Clinton Township drivers are unaware of how to get a car loan with bad credit. Our finance team is here to help you learn how to get a car with bad credit. If you’re ready to discover more about financial opportunities, read on and check out our new and pre-owned vehicle specials.



How to Get a Car Loan with Bad Credit

Not sure how to get a car loan with bad credit? Well, our finance team is here to make the process as smooth and easy as possible to secure a car loan with bad credit. Start the process by applying online to get pre-approved then work with our finance experts and calculate a monthly payment to determine the best finance plan.

The Process of How to Get a Car with Bad Credit

If you’re a Sterling Heights driver who has bad credit and trying to figure out how to get a car loan, here are a few financial things to do to make getting a car loan possible with bad credit.

  • Determine how much you can afford to pay. Before you shop throughout Utica for your next vehicle, make sure you calculate all the expenses to see what you can truly afford. Things like the annual registration fees, car insurance, maintenance costs, and gas costs.
  • Make a bigger down payment if possible. By making a significant down payment, lenders will deem you more favorable as a borrower and you’ll have smaller monthly payments.
  • Try to clean up your credit report before applying for a loan. Review your credit report and clean up and pay off anything that can bring your credit score down
  • Be honest about what kind of car you should buy. Focus on financing an affordable amount rather than the dream car.
  • Shop around with lenders. Do not accept the first offer you receive, shop around to other lenders and compare the rates.

How to Get a Car with Bad Credit: Improve Your Credit Score

If you’re wondering how to get a car with bad credit, the best way is to improve your overall credit score. Make your payments online monthly and be consistent.

Finance Your Next Vehicle at Genesis Alfa Romeo

Now that you know how to get a car loan with bad credit, contact us at Genesis Alfa Romeo with any additional questions. Be sure to value your trade online before stopping by.


More from Genesis Alfa Romeo

  • How to Trade in a Car You Still Owe On

    Sometimes Macomb drivers need to trade in a car that’s not yet paid off. If your lifestyle has changed and you need to trade in your financed vehicle, don’t worry. While the trade-in process is easier when your car is completely paid off, the process is a little more complex if you still owe money…

  • 2022 Alfa Romeo Stelvio Horsepower

      The Alfa Romeo lineup is well known for its lightning-fast speeds and undeniable handling, but what can you expect from the latest Stelvio on the Utica roads? The 2022 Alfa Romeo Stelvio horsepower ranges from 280 to 505 hp, so you expect major thrills on your next Sterling Heights adventure. Get to know the Stelvio…

  • 2022 Alfa Romeo Giulia MPG

    You may already recognize the 2022 Alfa Romeo Giulia for its exceptional performance capabilities and high-class interior amenities. Although, the Giulia is also noteworthy for its fuel economy specs. How many miles per gallon does the Alfa Romeo Giulia get? The 2022 Alfa Romeo Giulia fuel economy ratings reach 24 mpg city / 33 mpg…

Genesis Alfa Romeo 42.629189, -82.940473.