What is the Minimum Credit Score Required to Get a Car Loan?

You need a new car, but you’re worried that your credit score might stop you from securing the financing you need. You’re not alone. In fact, most people will experience credit issues at some point, and it’s often no fault of their own. The good news is that loans are available to buyers no matter their credit score.

Bad credit car loans often get a bad rap, but when you work with a reputable buy here pay here dealership, you can get the vehicle you need at a fair price and for monthly payments that fit your budget.

What makes buy here pay here loans different?

Traditional lenders look at your history and base their decision on the past. Even one missed payment can be enough for them to deny your application. BHPH dealerships look at your ability to pay going forward rather than at what happened in the past.

The key to making sure you don’t get a bad credit car loan with unfavorable terms is to choose a reputable dealer. AutoSmart, which has dealerships in Longview, Tyler, and Texarkana, has helped thousands of buyers at every credit level drive away in the reliable car they need—and we’ve built a solid reputation for exceptional value and customer service one sale at a time.

Traditional vs. BHPH Lenders

Getting approved for a bad car loan from a traditional lender is difficult, and even if you have an exceptional credit score the process can be lengthy. Not so at AutoSmart. You’ll work with the same team for both buying and financing your car, so the process is fast and easy.

Why AutoSmart?

When we say that we have options for every credit score we mean it. We want to help you Own Your Journey, and your success is how we measure our success!

You’ll be treated with the respect you deserve from the moment you step on to one of our lots, and you’ll be pleasantly surprised by our large selection of quality, pre-owned cars and trucks. We’re committed to only selling quality vehicles, and that’s why it’s easy for us to offer a 3-month, 3,000-mile warranty on every car and truck. Plus, we take care of the oil changes during the entire length of your loan.

Start your application online or stop by one of our dealerships today to experience the AutoSmart difference and learn that getting a bad credit car loan can be a pleasant, convenient experience.