My credit score is a 441 is there anywhere i can get an Auto loan?

Question

I just payed of a 25000 dollar car. But there other things on my credit that make my credit score low.All the collection accounts happend this year. Is there any banks that will finance me so that I can buy a car of the lot of my choice and not one that the bank or the lender selects.

The car is not mine anymore its the cosigners they payed it off so it belongs to them

Answer 1

You could try applying with the people you financed the last car with. Call and talk to a real person, and point out that you just paid off a loan with them, and want to know if you can get another loan from them.

And, the other poster has point. You just paid the car off. Why not keep it for a couple of years and get your credit cleaned up before buying a new car?

edit:

Maybe you need to just save some money up then. No reputable bank or finance company is going to give you a loan with a credit score like that.

Answer 2

The bank never selects the make or model but they will set a limit on the amount they loan you. Go to a credit union and get pre-approved for a loan. Then you will know your limits. Negotiate for the best price by getting the dealer's invoice price from kbb.com.

Answer 3

Not likely, with a score that low.

If you have a paid-off car, why are you looking for another one? If it's a gas hog or something like that, maybe you can sell it and use the money to buy a replacement car that would get better mileage.

Answer 4

the only car finance company that you are probably going to get to touch you with a score like that is a place called drive finance.There is something wrong with your question b/c if you paid off a loan of 25,000.00 then your credit score cannot be that low.

Answer 5

This site should help you