How to Get a Car Loan With Bad Credit

Handing car keys to customer

Learn How to Get an Auto Loan with Bad Credit with Don Johnson Motors

You need a car — but you’re worried that past credit damage or a lack of credit history are going to hold you back. Many Rice Lake drivers ask us about how to get an auto loan with bad credit or no credit. Fortunately, you have options, whether you’re looking for how to get a small car loan with bad credit or a larger one! Securing a car loan may be a bit more difficult than normal, but your credit score shouldn’t stop you from finding a quality vehicle that meets your needs. Learn more tips for buying a car with bad credit or no credit, and then contact the auto financing experts at Don Johnson Motors to explore all your options.

Car Buying Tips for Bad Credit Shoppers

Our number one tip for how to get a car with bad credit in Hayward? Be prepared: know your budget and be aware that your down payment and interest payments are likely to be higher than average. Before you negotiate terms with your lender, keep in mind these pointers for how to get a car loan with bad credit:

Don’t Assume You Won’t Be Approved

When buying a car with bad credit, it’s often assumed that it’s altogether impossible. But that’s really not the case. Sometimes you have more options than you know, so be sure to do your research on car buying tips for bad credit situations. Alternative financing options may benefit you more than a one-size-fits-all solution.

Improve Your Credit Score

Starting the car buying process early will give you time to improve your credit score. A wholesale rehabilitation of your score could take many months, but there’s a lot you can do right now to budget your score into the next credit rating category. Pay off as many small debts as you can and set up payment plans to chip away at larger debts. Using your credit card for daily expenses and paying it off immediately can also boost your score quickly — as long as your credit usage on the card is under 30%.

Apply for Loans the Smart Way

Sending out applications for auto financing can negatively impact your credit score. To avoid that drop impacting your auto loan approval, finish all of your auto loan applications within a 14-day period. This is one of the helpful tips for buying a car with bad credit that often goes undiscussed.

Car shopping

Don’t Accept Just Any Offer

Apply to multiple lenders and wait for all the offers to come in before making a choice. Even if your credit needs work, you’re likely to receive more than one offer!

Be Prepared for Higher Costs

Whether you have bad credit or no credit, keep in mind that lenders may ask you for a larger down payment and higher interest payments than normal.

Find Bad Credit Lease and Financing Options in Rice Lake

The friendly auto finance team at Don Johnson Motors is here to make the car-buying process as hassle-free as possible. Need more specific information on how to get a small car loan with bad credit? Get in touch to learn about lease and finance options for Hayward and Cumberland buyers with bad credit or no credit, or use our online tools to apply for financing and value your trade-in.

More From Don Johnson Motors

  • 2022 Ford Maverick Specs

    The all-new 2022 Ford Maverick pickup truck not only offers incredible power and handling, but great interior features, safety, and much more. For Hayward drivers who are looking for a new capable pickup truck, start by exploring the 2022 Ford Maverick specs. At Don Johnson Motors, we’ll help you explore the Ford Maverick engine specs and much…

  • 2022 Ford F-150 Lightning Specs

      The Ford F-150 Lightning is the newest addition to the best-selling truck lineup in the United States, and this model is positively electric. In fact, the all-electric Lightning is completely gas-free for an ultra-efficient ride that doesn’t compromise on strength. Take a closer look at the 2022 Ford F-150 Lightning specs below, and learn…

  • What are the 2022 Ford F-150 Lightning Configurations?

      The new Ford F-150 Lightning offers an electric twist to one of the most popular pickup models in the world, and this gas-free trim is available in four different series to suit your preferences. From the Pro to the Platinum, which of the 2022 Ford F-150 Lightning configurations is right for you? Explore the…

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

(715) 475-1473

Call Now

734 West Avenue • Rice Lake, WI 54868

Get Directions
Don Johnson Motors 45.5080292, -91.7657192.