How to Get a Car Loan with Bad Credit

man with car documents outside

Everyone in Farmington needs reliable transportation, but not everyone has a perfect credit score – so what do you do? Luckily, learning how to get a car loan with bad credit isn’t as hard as you might think. The right research and strategy will get you behind the wheel of your dream car in no time, so find out the steps that you need to get the car that you deserve!

Creating a Plan

Learning how to get a car with bad credit boils down to planning. It’s important to use this opportunity to not only set yourself up for a car loan, but to set yourself up for the future as well. That’s why you need to figure out exactly what you can afford and create a plan to stick with that budget. Here are a few steps to keep in mind:

  • Start planning for your budget. Think about both your month-to-month payments and your downpayment, but don’t forget added fees like insurance and registration in the Cortez area.
  • If possible, putting down a larger down payment can be helpful to drive down your monthly payments and interest rates – but only if you can afford it.
  • Choose your vehicle carefully. Consider factors like maintenance costs, fueling type, mileage, and, of course, price.
  • Don’t be afraid to ask questions when you visit our finance department. The staff is here to help!

Improving Your Credit Score

Improving your credit score is possible with a little work. First, try to clean up your credit before you apply for financing. Check your credit score for errors, pay off debts, and do anything else that you can to get your standing in line. Second, maintain good habits moving forward. That means making payments on time every single month. Stay on top of your bills and you might be surprised how much your credit score will surge!

Applying for Financing at Nissan of Durango

Many Mancos drivers assume that they can’t secure a loan with a less-than-perfect financial background. But the truth is that many dealerships have extensive resources to pair any customer with a great financing deal. But before you can work out the details, it’s important to apply for financing to get the ball rolling! And at Nissan of Durango, we make this process simple. In fact, you can even apply for financing online!

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(970) 259-3940

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20704 Hwy 160 West • Durango, CO 81303

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Nissan of Durango

20704 Hwy 160 West Durango, CO

Phone: (970) 259-3940


Phone: (970) 259-3940

20704 Hwy 160 West Durango, CO


Phone: (970) 259-3940

20704 Hwy 160 West Durango, CO


Phone: (970) 259-3940

20704 Hwy 160 West Durango, CO
37.2696287 -107.9072604
Nissan of Durango 37.2696287, -107.9072604.