NH, MA, and ME, "Bad Credit Auto Loans"

NH, MA, And ME Bad Credit Auto Loans,


Apply Online NH,MA, and ME Bad Credit Auto Loans

Sales: 855-971-9073


You can expect to have the absolute best finance package for your situation.

C.U.D.L.:  Credit Union Direct Lending is a powerful tool we use to shop many local credit unions for great rates and packages this tool allows us to secure bad credit auto loans. Credit unions are not bound by the same strict criteria that many local and national banks use to qualify an applicant. They often use different books to value the purchased vehicle, using a greater value so that equity or money down isn't an issue even if you need a bad credit auto loan. They also have different standards for borrowers, often giving a low rate on a bad credit auto loan to members, regardless of "bumps and bruises" on their bureau. They all have a different standards for membership. This can make it difficult to join some institutions whether it be due to location, or a number of other reasons that can interfere with you qualifying for a bad credit auto loan. One of our finance mangers can set up a membership for you with the credit union that currently has the best rates and most aggressive finance package for your bad credit auto loan,. He will negotiate a great deal for you and be knowledgeable about all the programs you qualify for even if you need a "bad credit auto loan". these are some links to C.U.D.L and a few of the credit Unions we can get financing through at the Salem Ford Hyundai.

Traditional Banks and Finance Companies: There are many banks and financial institutions that regularly issue loans to people who need a bad credit auto loan. We have signed with many different institutions because they all have different standards to qualify for a loan. You may find that one bank will absolutely turn down a loan because of derogatory past experience, but the next 2 banks will instantly approve the same loan. The institution's rates and stipulations can vary on the same approved loan. One may be at a lower rate and the next high because they rate the risk differently. The trick is to get the bank that is most comfortable with the type of "risk" that your bad credit situation represents, which results in offering you the best interest rate. These are links to some of the banks that we offer financing through Salem Hyundai :

Apply Online NH,MA, and ME Bad Credit Auto Loans

Don't take someone Else's word, Pull your three reports for free at AnnualCreditReport.com.

Experian says it offers an added benefit and score. For $40, you get your credit score from Experian and a 35-minute session with an educator. This person will go over your history and point out items that need attention and give you tips on how to address it.

If you think something on your credit my be incorrect you can view the accounts and dispute with these links.

File A Dispute Online Equifax

File A Dispute Online Experian

File A Dispute Online TransUnion


Correcting Errors

Under the FCRA, both the reporting company and the information provider (that is, the person, company, or organization that provides information about you to a eporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider.

More Information On Correcting Information On Your Credit Reports



The Credit Repair Organizations Act

The Credit Repair Organization Act (C.R.O.A.) makes it illegal for credit repair companies to lie about what they can do for you, and to charge you before they've performed their services. The C.R.O.A. is enforced by the Federal Trade Commission and requires credit repair companies to explain:

  • your legal rights in a written contract that also details the services they'll perform
  • your three day right to cancel without any charge
  • how long it will take to get results
  • the total cost you will pay
  • any guarantees

What if a credit repair company you hired doesn't live up to its promises? You have some options. You can:

  • sue them in federal court for your actual losses or for what you paid them, whichever is more
  • seek punitive damages - money to punish the company for violating the law
  • join other people in a class action lawsuit against the company, and if you win, the company has to pay your attorney's fees


For Exhaustive Legal Information on Bad Credit Situations Click Here

NH MA and ME Bad Credit Car Loans


Hours

  • Monday 8:30am - 8:00pm
  • Tuesday 8:30am - 8:00pm
  • Wednesday 8:30am - 8:00pm
  • Thursday 8:30am - 8:00pm
  • Friday 8:30am - 8:00pm
  • Saturday 8:00am - 6:00pm
  • Sunday 11:00am - 5:00pm