I had some financial troubles in the past… long story, but I had reason to push the credit cards aside. I haven’t paid on them in probably a year. It’s gotten out of hand now… the fee’s are outrageous. I don’t know how to fix this problem but know that I’ll need a new(used) car soon. Since I haven’t paid on them, I know I am never gonna be able to get a loan, and saving up for a car is gonna take me forever. Any advice on where to start? Please be nice!
Also, I don’t have anything of great value to offer for collateral on anything.

My husband has a forclosure on his credit and besides that we dont have much else. We are trying to buy a used car for 16,000.00 we have 5 to 6k to put down so we are actually needing a loan for around 11,000.00 we were told not only would our intrest rate be high like 18% but also would have to pay 2500.00 more ontop of our car price becaue they needed a secure loan??? I thought that is why I am putting down so much money? Is there any way around this price increase? Is this legal? What else can I do? Thanks Moni

Since 1993, CarMax Auto Finance has helped more than 1 million customers with their vehicle financing, and bad credit auto refinancing needs across the Unites States. They offer fast, on-site financing at competitive rates and terms to make your automobile online car shoppingexperience as easy as

possible. No matter what your previous credit history is, there is a automobile loan that you can get that will help with bad credit repair.

CarMax Auto Finance is located in Kennesaw, Georgia, and serves more than 300000 customers, with a portfolio size of more than billion. Every year, they help more than 100,000 customers purchase vehicles, and assist with bad credit auto refinancing through CarMax. They are proud to be part of a FORTUNE® 500 company, as well as named to the FORTUNE “100 Best Companies to Work For” since 2005.

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I am looking at a used car, and bad credit auto refinancing, the year of the car is a 2000, and the mileage is 100,000. I have a credit score if 615, and 1500 dollars to put down and they’re asking 6995 for it. Should I  fill out the credit application, or just look for a cheaper car?

When you are thinking of re-financing your car loan, one of the biggest factors that will have an impact on that is your credit score. Naturally, your loan company will make an investigation how good you are in meeting your financial obligations; thus, they will have to look at your credit history and financial standing. So if you have outstanding credit card debts and other loans, it may deter your auto refinancing application.

If you find yourself in this fix, there are still some ways how to re-finance your car loan.

 

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When Your Credit Score Affects Your Car Re-Financing

You are applying for a car refinancing, but you get disapproved because of your credit score. However, you need the extra loan to pay your car. Your car is very important and giving it up is out of the question. How can you get out of this tight spot?

• You can ask your loan company to re-construct the payment scheme. If you can’t really get to re-finance your car loan, the best way is go to your loan company and ask them to lower the monthly payment in exchange of extending the loan term. So if your car loan is three years, ask to extend it to one or two more years and have a lower monthly payment.
• Use your savings. Let’s say you have a debt which is more than what you can afford to pay your car. In this situation, you have a higher chance of getting disapproved. You can solve this by using some money from your savings to pay the difference before applying for re-financing. This will give you a higher chance to get approved.
• Trade in your car. Another way of solving your re-financing woes is to just trade in your car for another car which is affordable to your budget. What you need to do is ask your loan company how much the pay-off balance of your car is, then shop around to determine how much the trade-in value of your car is. Once you find a car that will replace your trade-in car, secure new financing and get the payment from your trade-in car to pay the balance to your loan company.

Though your credit score may affect your auto-refinancing, there are other ways how to pay off your car mortgage.