5 Tips on How to Get a Car Loan with Bad Credit

Trading Car for Money

Have you hit rough times, but still need a car? We’ve all been there. Unfortunately, the need for a car doesn’t always coincide with when you’re flush with cash. But that doesn’t have to mean that you’re stuck walking or taking the bus to work. Here are five tips on how to get a car with bad credit, so you can get into your new wheels:

  • Check your credit
  • Do your research
  • Save up for a down payment
  • Settle for a smaller car
  • Get a co-signer

Check Your Credit

Your credit score may not be as bad as you think. But even if it is, don’t just check the score. Credit reports will tell you what issues are keeping your score down. Fixing those issues will help you increase your score and get a good interest rate for a car loan.

Do Your Research

If you’re here, you’ve already started researching how to get a car loan with bad credit. But it’s always easier to get the car you want with a loan you can afford when you know how auto financing works. You should also know the ins and outs of how to buy a used car.

Save Up for a Down Payment

This may not be possible if you need a car right away. But the bigger the down payment, the smaller the loan, the less an issue your credit is. If it’s possible for your financial situation, it’s best to try and save up a reasonable amount for your down payment.

Settle for a Smaller Car

Have you pictured yourself rolling through Spokane, WA in that fancy SUV with all the bells and whistles? You might need to consider downsizing your dreams, for the time being. Make sure you find the best deal, maybe looking for the latest specials on pre-owned vehicles. You can always trade in your “for now” car later for a nicer vehicle, once your credit score is higher.

Get a Co-signer

One of the most effective ways to get a car with bad credit is to get a co-signer. Do you have a really good friend or relative with good credit? Ask them to co-sign the loan. Upgrading your Coeur D’Alene, ID ride may be more attainable with a co-signer.

Apply for Financing at Arrotta's Automax & RV Today!

Figuring out how to get a car loan with bad credit has never been easier. We’re here to help. The financing department at Arrotta's Automax & RV in Spokane is staffed with experts on helping customers figure out how to get a car loan with bad credit. Apply for financing today! We’ll show you how to get a car with bad credit as well as answer any questions you may have about the financing process. Ready to visit us in person? We’re conveniently located near Post Falls, ID!

Saved Vehicles ×


You don't have any saved vehicles!

Look for this link on your favorites:


Once you've saved some vehicles, you can view them here at any time.

Contact Us ×

(509) 204-5755

Call Now

6623 N Division St • Spokane, WA 99208

Get Directions

Today's Hours:

Open Today! Sales: 9am-7pm

Open Today! Service: 9am-5:30pm

Arrotta's Automax & RV

6623 N Division St Spokane, WA




Phone: (509) 204-5755

6623 N Division St Spokane, WA


Phone: (509) 381-5445

6623 N Division St Spokane, WA
47.7181525 -117.4117541
Arrotta's Automax & RV 47.7181525, -117.4117541.