Tax Refund Used Car Sale In Raleigh - Family Auto Centers Will Do Your Taxes For Free!

Family Auto Centers is having their annual Tax Refund Sale at our locations on Glenwood Avenue and Capital Blvd. in Raleigh! Just bring in your W-2 and drive home a car. AND your taxes will be prepared by a tax professional... so you can use a portion of your tax refund for a down payment! Everybody Rides at Family Auto Centers.

We make it easy with fast service and quick turnaround time. For more information please call or visit Family Auto Centers.

Plus don't forget, if you have bad credit, we can help no matter what! Bankruptcy, repos, divorce, foreclosures, medical issues - Family Auto Centers is your bad credit car loan headquarters in the Raleigh Durham area!

Bad Credit Auto Loan Information for Used Car Shoppers in Raleigh Durham North Carolina

At Family Auto Centers we make it it possible to qualify for an auto loan with bad credit, even if you have a lower income or are a first time auto loan buyer. We don't rely solely on traditional credit assessments, but because we report to the credit bureau, we can help you re-establish your credit. Below are some practical tips to keep in mind if you are thinking about conventional loans. But remember, Family Auto Centers looks beyond your past situation, and focuses on what you ca do now, and how we can help improve your credit future. 

Bad Credit Auto Loan Tips

1. Boost Your Credit Score Before Applying

If you have some time before you need to make your car purchase, there are a few things that you can do to give your credit score a boost. Stop using your credit cards to make purchases just as soon as you know that you will be applying for auto loans in the coming months. This will give you time to pay on some of your balances without spending what you have paid off. This wiil help lower your debt to credit ratio and could possibly raise your credit score.

Continue to make your credit card payments on time, and if they are behind, get them caught up immediately. If there are any creditors or collection agencies pestering you for payments that are very far behind or in default, talk with them when they call and ask to make arrangements to pay whatever you can afford, no matter how little, every month. Tell them that they must stop any unfavorable reporting to the credit bureaus in order for you to make payments. This will work in many cases.

Get a copy of your credit report from each of the three major credit-reporting bureaus -- Equifax, Transunion, Experian. You are entitled to a free copy of your credit report from each of the bureaus one time each year. Go directly to the credit reporting bureau's website and get your free copy there. There is no need to pay for copies of your credit reports from one of those "free credit report" type websites. You can get them for free from the credit bureaus themselves. Make sure to get a copy of your report from all three of the bureaus and not just one, as not all credit bureaus will have the same information about you. By examining your credit reports, you can find out just how bad your credit score is; it may be better than you thought, or it might be worse. Go over the reports and Identify anything negative that you disagree with or cannot remember and send a letter to the credit bureau to dispute the item. The credit bureau has thirty days to handle your complaint, or the item must be removed. In many cases the item will be removed and your credit score will go up as a result.


2. Making a down payment can make a difference when applying for bad credit auto loans.

Consider making a down payment on the auto loan with bad credit that you plan to apply for. Once again, it comes down to decreasing the dealership's risk in approving your auto loan with bad credit. Even a small down payment can convince the lender that you plan to be a good partner in the auto loan and will make your payments on time. However, more importantly, the higher your down payment is, the harder that you can push for a lower interest rate on your auto loan. The combination of having a lower interest rate and having paid off some of the vehicle's cost up-front will result in a much lower monthly auto loans payment.



3. How a cosigner can help you get approved.

The use of a cosigner on an auto loan with bad credit and low income can make the entire issue of having bad credit and no income go away if done properly. When you apply for bad credit auto loans with a cosigner on your application, the lender will assess their risk in making you the auto loan (with bad credit and no income) based upon the cosigner's credit rating and income, and not yours. But pick your cosigner carefully! When looking for someone, usually a close relative or friend, to cosign on your auto loan with bad credit, you will want to find someone with good credit and a good income if at all possible. And don't forget that if you fail to make your monthly car loan payments, the cosigner will become liable to repay the balance due on the car loan for you. It's very important that the friend or family member cosigning on your car loan is aware of this. Therefore, the cosigner should only cosign for the car loan if he or she can afford to repay it in the event you default.

Car Loans in Raleigh

At Family Auto Centers, we pride ourselves on our ability to help almost anyone get an auto loan, even those with bad credit! Not sure about your credit? Applying for auto loan credit online is an easy way to "test the waters" to see if your credit is where it should be. We make it easy to apply for a car loan online with our Fast and Easy Quick App. No social security number required! When we receive your application, we'll look it over and one of our friendly staff will contact you as soon as possible.

Bad Credit Used Cars - Used Car Dealership Serving:

Raleigh, NC
Apex, NC
Cary, NC
Durham, NC
Pittsboro, NC
Henderson, NC
Oxford, NC
Creedmore, NC
Garner, NC
Fuquay Varina, NC
Wake Forest, NC
Chapel Hill, NC

View our Large Used Car Inventory of Great Makes Including:

Used Mazda
Used Ford
Used Hyundai
Used Chevrolet
Used Kia
Used Dodge
Used Chrysler
Used Honda
Used Toyota
Used Nissan
Used Buick
Used Cadillac
Used Lincoln

Driving Directions from nearby North Carolina cities including Durham, Apex, and Henderson