How to Get an Auto Loan Without a Cosigner When you Have Bad Credit

Whether you’re new to the world of loans and credit or are a subprime borrower, trying to find financing for your car that won’t leave you paying out of the nose because of high interest rates can be a challenge. One of the obvious options, of course, is to take out a loan with a cosigner.

While that might be ideal for someone young who’s just buying their first car and still needs assistance from their parents, most people don’t want to deal with the crutch of a co-signer (not to mention, the anxiety of knowing that if you fail to make your payments, your co-signer is responsible for them).

If you have bad credit (or no credit), here are some ways you can get a favorable auto loan without needing someone else to be your Cosigner.

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Loan Refinancing

loan refinancing

There are a lot of good reasons to look into auto loan refinancing. Maybe your payments are just too much for you to handle right now. Or maybe the market has changed drastically from when you first got your car and you think your car payments should be lower.

No matter the reason behind your decision to refinance, it’s important to understand how it works – and more importantly – how to make it work for you.

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