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Bad Credit? No Money Down

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Secure Bad Credit Car Loans in Des Moines, Iowa

When you have zero or bad credit, it is more challenging to secure auto loans in the Urbandale area. However, it’s not impossible! At Volkswagen of Des Moines, our finance team works with local drivers from all sorts of financial backgrounds, and we have helped many secure bad and no credit car loans. If you’re ready for some sound advice about how to get a car loan with bad credit, then keep on reading!

How to Get a Car Loan With Bad Credit

Finding the most ideal bad credit car loan in Johnston, Iowa will take some effort, but here are some ways to make the process easier:

  • Figure out your budget: Avoid lowering your credit score when you have a clear budget in mind. This number should include how much you can afford to borrow as well as other car needs, such as annual registration fees, car insurance, maintenance costs, and gas costs. Be honest with yourself and consider more affordable models, such as the ones in our pre-owned inventory or our last-chance models.
  • Make a bigger down payment: A larger down payment will help lenders to see you more favorably as a borrower, especially if you have a less-than-ideal credit score. Plus, you will have a smaller loan balance to pay off. You can trade in or sell your current car to have more cash for a bigger down payment.
  • Clean up your credit report before applying for a loan: You should absolutely dispute any errors in your report since they could be dragging your credit score down. Also, try to pay off any outstanding debts to improve your credit score beforehand.
  • Shop around with lenders: Apply with a handful of lenders to compare the rates of those who approve you near Urbandale. Try to find the best option out of all of the bad credit car loans in Johnston, Iowa and accept that one.

We Offer Bad Credit & No Credit Car Loans Near Des Moines

After seeing how to get a car loan with bad credit, you’ll need to partner with a trusted team for support and resources. Volkswagen of Des Moines has a wide network of lenders in the area, so when you get pre-qualified for financing with us, we will work with our network to seek the most competitive option for you. We’ll report all of the bad credit car loans in Johnston, Iowa that you are qualified for and discuss with you to determine which one is the best one. If you decide that you aren’t in a rush for a bad or no credit car loan and you’d rather build up your credit first before getting a vehicle, we can also help you out!

Find Your Auto Financing Plan at Volkswagen of Des Moines Today

Contact us to get in touch with us today! The sooner you reach out to us, the sooner we can start working out a plan to help secure a competitive bad credit car loan in Johnston, Iowa. If you want advice on how to get a car with bad credit for your specific situation, you are more than welcome to reach out as well. Volkswagen of Des Moines is dedicated to making the car-owning experience an accessible goal for drivers in West Des Moines and beyond!

Volkswagen of Des Moines 41.655244, -93.6988054.