Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
Re: Where to Apply?
If you know what kind of car you want, call the major dealerships and ask if they have a special financing department. When I had bad credit, that was always the route I took and always got approved. For instance, I was able to get approved with a double bankruptcy on my credit report with zero down on a 2006 Altima. This was back in 2008, so the car was only two years old and mileage was still under warranty. Go in there and tell them your situation and what's derrogatory on your credit report and see what they say. Big dealerships with special financing departments often work with several subprime lenders, and after hearing your story, they know which one probably suits you. I just had to app once and I was approved. Good luck, let us know how it goes!
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