Poor Credit Car Loans near Huntington Beach CA

Understanding Your Credit Score

Before you seek out a poor credit car loan with our team, you’ll first want to figure out where your credit score falls.  If your credit score is within the 500 to 600 range, that’s considered poor credit. The good credit range begins with a score of around 661.

Poor credit can occur for a number of reasons. Your credit score is calculated by considering factors such as your payment and credit history, credit utilization rate, and the amount you owe. Your credit score may be low if you’re behind on payments or if you have multiple accounts.

Improving Your Credit Score

If your credit score falls in the “poor” category, there are a few things you can do to improve it over time. Here are some tips on improving your credit score:

• Review Credit Reports – A good way to improve your credit score is to check your credit reports for any inconsistencies, inaccuracies, or issues that need to be addressed.
• Make Payments on Time – Be sure to make your payments on time and, if possible, pay them in full to help improve your credit score.
• Keep Credit Utilization Low – Credit utilization is the percentage of total credit used from the total credit available to you. Keeping this percentage low can help improve your credit score.
• Limit Credit Accounts – Focus on your old credit accounts and avoid applying for any new ones. This supports your credit length while making it easier to manage your credit.

These tips can all work toward improving your credit score. If you do need a vehicle while you have poor credit, though, you still have a few options for financing a car.

Can I Finance a Car With Poor Credit?

The short answer is yes, you can finance a car with poor credit!

Our team of finance experts is determined to help every driver get the vehicle they need, regardless of their credit score. As you work with our financers, you can count on them to find an auto loan that works for you. They’ve established good relationships with local lenders, so you’ll have options.

Additionally, we have a large inventory of new, used, and certified pre-owned vehicles to choose from. As you begin your car-buying journey, you can browse our selection online to find a vehicle that matches your needs.