How to Find a Bad Credit Car Loan in San Antonio, Texas

Credit problems can happen to anyone, but having bad credit does not stop you from getting a car loan in San Antonio, Texas. You have several options to get a bad credit car loan. These types of loans do tend to have higher interest rates and down payments than conventional loans, but you'll find that some places will not do a credit check.

Instructions

1

Open your Internet browser and go to craigslist.org's San Antonio city page. Click "Cars & Trucks." Click "by-dealer." You will see all cars available from San Antonio dealers. Some of these listings mention guaranteed and no-credit-check financing for buyers with bad credit.

2

Call the car dealership that interests you. Ask to speak with its financing department. Talk to the loan officer and explain your credit history to determine whether the dealership has a bad credit offering that fits your situation.

3

Look for "Buy Here, Pay Here" lots such as Max Auto Sales, Carbuggy Motors and Magic Time Motors. Used car lots offering financing, or financing in cooperation with a small bank or credit union, typically have lower barriers to entry for credit-challenged shoppers.

4

Go to a San Antonio credit union such as SACU, River City Federal Credit Union or Alamo Federal Credit Union. Request to speak directly with the loan officer. You may have better luck securing an auto loan when talking directly with a credit union, as the credit requirements may be less stringent.