: Bring recent pay stubs, W-2s, or bank statements.
Before visiting a lot, assemble a "confidence binder." Lenders for subprime loans look for stability to offset your credit score.
: Have a list of six people (names, addresses, and phone numbers) who can vouch for you. 2. Secure Financing Before You Step on the Lot
: A utility bill or lease agreement helps prove you aren't a flight risk.
The biggest mistake is relying solely on "dealer financing," where interest rates are often marked up. 8 Secret Tips To Buy A Car With Bad Credit