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Can you get a car loan with no credit? Even if you are considering a used vehicle, it is likely that you'll need financial assistance to complete the purchase. Buying a car is expensive, and having a vehicle is generally considered a necessity, so in order to make the transaction, most people turn to auto loans. However, in order to qualify for financing, most lending agencies want to make sure that you aren't a risk, and the way they do that is by considering your credit score, making it hard to receive a car loan if you don't have any credit. The system of scoring credit is incredibly nebulous, and most people tend to ignore anything to do with it until they absolutely have to. There are many myths about credit scores that are spread that make people frightened to even look at their credit report. When you're first starting out, not having any credit can make you seem like a liability to a lender, even if you have all the makings of a responsible borrower. If you don't have any credit history, an installment loan paid on time becomes part of your credit record. Where to go to get an auto loan As mentioned, it can be difficult to get a loan without credit, though it is not impossible. If you have a savings and checking account, visit your bank to ask them about the possibility of a loan. It is encouraged for you to bring proof that you are able to pay recurring bills like a utility or phone bill, and that you are employed with a consistent stream of income. Even without those, you can see if someone you know would be willing to be a co-signer. This can be tricky, as this puts both of you on the line if you miss payments, but it is a way to get qualified for a loan. If neither of these tactics works, or if you're looking for a second option, you are able to go directly through a car dealership like OK Carz. We work with all credit situations through The OK Carz Finance Solution, our in-house financing program—no credit? We welcome your application. You can apply for pre-approval online at okcarz.com before you even go to the lot—it takes less than 2 minutes. And our in-house financing reports your payments to all three major credit bureaus, plus you get the convenience of Buy-Here-Pay-Anywhere payment options: online, at Walmart or Amscot locations, by mail, or by phone. All financing is subject to approval and verification of income, identity, and Florida residency. See dealer for details. OK Carz – Anything Else is NOT OK.

How do student loans affect getting a car loan? As a young adult, there are two big investments you're going to have to choose to make. One is deciding to go to college, and the other is buying a vehicle. Both can be financially draining, and it is likely that you will need financial assistance. The best way to finance going to school or getting a car is through loans. The majority of Americans are saddled with a student loan payment, which can be both a good and bad thing. If you are struggling to pay your minimum payment, and are missing payments because of it, you can be doing damage to your credit score. If you are making your payments on time, it will reflect well on your credit score, which can be beneficial when you're applying for a car loan. Should you apply for a car loan? If you are struggling to pay your student loans as it is, adding another loan payment is just going to bury you deeper in debt and hurt your credit score even more. However, if you have a student loan and have some excess money every month to dedicate to making the additional loan payment, upgrading your vehicle or getting a car for the first time can be a smart step toward getting your life on track. Even if you had trouble with your student loans in the past and those issues left a black mark on your credit score, you can still apply for a car loan—and at OK Carz, we welcome your application. We work with all credit situations through The OK Carz Finance Solution, and our in-house financing reports your payments to all three major credit bureaus. After 12 months of timely payments, customers may have the opportunity to qualify for traditional lending through the OK Carz Conquest Program. While it can be tempting to immediately jump into a new car, opting for a used vehicle might be the best choice for you, financially. OK Carz has a wide range of used vehicle options across our 11 dealership locations in Central Florida. Stop by today to view the inventory and speak to an expert about financing, or apply for pre-approval online at okcarz.com—it takes less than 2 minutes. All financing is subject to approval and verification of income, identity, and Florida residency. See dealer for details. OK Carz – Anything Else is NOT OK.

Included Powertrain Warranty for Cars Sold at OK Carz A big fear that many car buyers have when purchasing a used vehicle is wondering what happens if something goes wrong after they drive home. Here at OK Carz, our vehicles go through our reconditioning and two-stage inspection process and are road-tested before sale—and OK Carz vehicles come with a 24-month/24,000-mile limited powertrain warranty. How Long is the Powertrain Warranty at OK Carz? OK Carz vehicles come with a 24-month/24,000-mile limited powertrain warranty. See written warranty for complete terms, conditions, and exclusions. For all the coverage details, review your written warranty or call our team at (888) 263-2024. Test Drive a Used Car in Central Florida Are you searching for a car that can get you to your destination? Need to stick to a certain budget? Here at OK Carz, we offer a large selection of pre-owned vehicles with a variety of drivetrains, body types, and price ranges across our 11 Central Florida locations. If you are looking to test drive a used car in Central Florida, look no further than OK Carz. Want more details? Maybe you're looking for financial tips. Browse the OK Carz blog for more posts like this. Can't find what you're looking for? Contact us and we will get you the answers you need. OK Carz – Anything Else is NOT OK.

Ways to Make a Used Car Feel Like New For many people, buying a used car makes the most practical sense. If you choose a used vehicle from the last decade, you are likely going to find a vehicle that offers a ton of new features and has the reliability we've come to expect from our vehicles. However, when you buy a used vehicle, you may feel like you're missing out on some of the perks of a new car. Of course, one of the biggest draws of a new car is that everything is new. There isn't any wear and tear from previous owners, and everything is in pristine condition. While a used car has the weight of past owners, you can still make your used vehicle feel like new with a little bit of work. Cleaning Your Vehicle When you are cleaning your vehicle, it is easy to just zip through one of those automatic car washes. While that can be fun, it isn't the best way to clean your vehicle. Spend a weekend with a bucket and a sponge, and thoroughly clean your car. You can invest in all the fancy car cleaning supplies, or you can use baking soda and water to clean the body of your car. Most experts suggest not using dish or hand soap, as they can hurt your car's paint job. An aspect that is often overlooked is the headlights of your vehicle. Your used vehicle might have cloudy headlights, which can diminish visibility and look unsightly. You can buy kits that will help shine and clean away the haze, or you can use toothpaste to help get the gunk off. Don't overlook the details There are some little things that you can upgrade to help make your car look good as new. If the seats are kind of outdated or if they look like they've taken a beating, you can easily fix them by buying some seat covers. You can also upgrade features like the tires, brakes, windshield wipers, or lightbulbs to make sure that all of the aspects of your vehicle are brand new, even if the car isn't. Or here's a thought: skip the bucket and the toothpaste altogether. OK Carz vehicles are detailed as part of our reconditioning and two-stage inspection process before they ever reach the lot—so that fresh, just-detailed feeling is already waiting for you on day one. Add one of the many bottled varieties of new car smell, and your "new-to-you" car checks off the biggest new-car perks on the list. Hop over to OK Carz to take a look at a used vehicle. If your credit score is what's keeping you from your next car, OK Carz works with all credit situations through The OK Carz Finance Solution—regardless of your credit score, we welcome your application. It is easy to apply for pre-approval online, and it takes less than 2 minutes. All financing is subject to approval and verification of income, identity, and Florida residency. See dealer for details. OK Carz – Anything Else is NOT OK.

Should you finance your used vehicle through the dealership? Financing a vehicle purchase through the dealership When thinking about a used car salesman, most people have a pretty distinct image in their mind. They are likely picturing a man twirling a mustache wearing tacky pants. In most cases, this image is completely false. A used car dealership can be an excellent way to get an upgraded vehicle or to get vehicle financing. Where should you look for a car loan? Applying for a car loan can be a confusing time since you have plenty of choices when it comes to how you will finance your vehicle. You can finance through a bank or credit union, which might be your best option if you have good credit. However, you can also apply for financing through the dealership. Hearing this might once again conjure the same image from hearing used car salesman, but financing through the dealership can be a wise decision for some people. If you apply for a loan with a bank and then visit a dealership, it can still be worth talking to them about financing, since you'll have a point of comparison, and the dealership might have an option that works better for your situation. If you want a one-stop-shop situation, the dealership is going to be your best bet: you can often apply, get an answer, and drive home your vehicle on the same day. Getting an Auto Loan with Bad Credit If you have a bad credit score, it might exclude you from qualifying for a traditional bank loan. If that is the case, a dealership with in-house financing is worth a look. OK Carz works with all credit situations through The OK Carz Finance Solution, and our in-house financing reports your payments to all three major credit bureaus. Going through a dealership is convenient, too—even with bad credit, we welcome your application, and online pre-approval takes less than 2 minutes at okcarz.com. If you are pre-approved for financing through OK Carz, you aren't bound to buying a vehicle. Should you choose to purchase a used car from OK Carz, you'll get a vehicle that has been through our reconditioning and two-stage inspection process and comes with a 24-month/24,000-mile limited powertrain warranty (see written warranty for complete terms, conditions, and exclusions). Look online at all the vehicles available, or visit one of the 11 OK Carz locations across Central Florida. All financing is subject to approval and verification of income, identity, and Florida residency. See dealer for details. OK Carz – Anything Else is NOT OK.