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For Person Reason That I Care Not To Get Into, I Had Good Credit, Then I Fell Back On My Credit Card Payments And As A Result Of This I Have Three Charge-Off Accounts As A Result Of This My Crdit Score Has Gone Down, I Would Like To Purschase A Vehicle It Dosen't Have To Be New I Will Be Happy With A 2002/3 Vehicle How Can I Get A Loan With My Credit History. I Am Currently Employed Paying For It Should Not Be A Problem. It Can Be Withdrwan From My Bank Account Directly.

Answers from the Automotive Experts

Debbie Lee, President at Professional Car Care Gena, Many dealerships large and small offer credit not a problem.  You will need to call around or look at your local ads to see what is in your area. Debbie Lee

Heather Conary, Founding Partner  at ID Communications, a division of Illumination Design To get a good idea of where you stand with your credit (and it sounds like you may have already done this), obtain a copy of your credit report. You can get a free copy of your Annual Credit Report online. Once you know where you stand, you can shop around for dealerships. Many dealerships have Financing for people with little to no credit, or a poor credit history, with the intention of getting you into the vehicle you need and helping you rebuild your credit history. A dealership like this will give you the best options for your situation. Finally, you can get started on a contract, and if you can successfully make payments and are working progressively towards better credit, many times you can refinance and get better rates. Best of luck! Heather

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