What's the Safest Way to Buy a Car With Bad Credit?

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Meghan Carbary has been writing professionally for nearly 20 years. A published journalist in three states, Meghan honed her skills as a feature writer and sports editor. She has now expanded her skill-set into the automotive industry as a content writer for Auto Credit Express, where she contributes to several automotive and auto finance blogs.


, - May 23, 2018

These days, there’s no shortage of options available for buying a car with bad credit. You can buy from a private seller, a buy here pay here lot, or a dealership. But which of these standards is the safest method?

Safety Isn't Just About One Thing When it Comes to Cars

What do you think of when you hear the word “safety”? Does it bring to mind personal safety? How about financial safety? What about the safety of a particular product or service? If you think about it, the process of buying a car touches on all of these.

Personal Safety When Buying from a Private Seller

When you’re looking at a vehicle being sold by a private seller, keeping yourself safe should be as big of a priority as test driving the car. When you meet with the seller, don’t do it alone. If possible, opt to meet in a public area, and always meet during daylight hours. This way, you can look over the vehicle in full sun. Too many things about the condition of a car could be missed in the low light of dusk.

To practice financial safety when purchasing privately, always be sure to make your purchase in some combination of cash and/or cashier’s check, or have the seller meet you at your bank. Never give someone you don’t know your credit card information or a personal check. If you’re paying cash, make sure to have the keys in hand before handing over the money, so you don’t get swindled.

Vehicle Safety, Reliability, and Pricing at BHPH Dealers

No matter where you’re buying a car from, you should have the vehicle inspected by a trusted mechanic before you sign any paperwork to ensure the car is reliable and safe. No inspection can guarantee perfect running conditions or safeguard against the unexpected, but it can find problems within the mechanics of a vehicle that you may not have known to look for.

Being safe in car buying is more than just having a vehicle inspected. Make sure you always know as much about the car you’re thinking of buying as possible. Visiting trusted valuation sites online to research makes and models is a great way to know the estimated going rates. At a BHPH dealer, you can expect high interest rates to increase the overall cost of financing a vehicle with bad credit. But, you should walk away if the starting prices aren’t even in the ballpark of average estimated values.

Financial Safety and Reputable Dealerships

To safeguard you when buying a car at a dealership, your best bet is to go to reputable dealers with proven track records and satisfied customers. Again, research is key. Can you find reviews from other consumers online? Do they have a positive reputation? Not every car dealer out there has consumer feedback readily available, so don’t panic if you can’t pull them up online. Check word of mouth in your area to see who’s had good experiences.

Just because you’re at a franchised dealership doesn’t mean you should let your guard down. It’s still a good idea to know vehicle values so as not to get taken advantage of. You should also have a budget in mind and know what you can afford. Don’t let a dealer talk you into a vehicle you don’t want or payments you can’t handle on a monthly basis.

Trusted Dealers, Proven Results

When it comes to a safe, simple, trusted method of car buying with bad credit, turn to CarsDirect. We specialize in connecting car buyers to dealers that can work with them, even with less than perfect credit. We provide information to help you find both new and used cars, and have a fast and free method to get you connected to them.

The nationwide network of dealers we work with have proven track records of helping people who need it most. Let us get you connected to a local dealer in your area. Get the process started today by filling out our no-obligation online auto loan request form.

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Meghan Carbary has been writing professionally for nearly 20 years. A published journalist in three states, Meghan honed her skills as a feature writer and sports editor. She has now expanded her skill-set into the automotive industry as a content writer for Auto Credit Express, where she contributes to several automotive and auto finance blogs.


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