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Bad Credit Used Truck Loan With Low Interest No Money Down

Looking for purchase a truck, but may have bad credit. Whether you have good credit bad credit, no credit, very bad subprime scores, there is always a way to get a low interest on a truck, any truck, and that includes some of the must popular pickup trucks out there: Thundra, Dodge Ram, Ford F150, F250, F350, 4X4, front wheel drives, work truck or tow trucks, there is a way to get a truck with bad credit or low interest rates.

First, Get a copy of your credit report. Never trust a car dealer of Buy Here Pay Here dealership to tell you what your credit score is. Check for errors in your report.

If there are errors, try getting these errors removed. This will give your credit score a bump.

Locate a truck that is not a lemon, and that means getting a mechanic to look it over before you make a final decision. Buy a truck with good resale value, so in the event you would like to use it as tradein there will be a demand for your vehicle.

Buy a certified pre owned used truck. Good used trucks cost considerably less than new ones and sometimes have low miliage

Make a good down payment on the truck. Most dealership will ask you to put down a minimum of 5% of the loan as down payment if you do not have a good credit score. It is advisable to put down 20%.

The larger the down payment, the lower the interest rate will be. Some car buyers put down as much as 50% on the loan. The down payment indicates to the dealer your committment to pay off the loan.

Pay no money down and get a very low interest rate on the truck loan if you have good credit. With a credit score of 700 and above (prime) most banks and credit unions will offer you an APR of about 3%.

Auto manufacturers such as Ford, Toyota, Nissan and others will offer you great rates such as 0% or 1.9% APR on the loan.

Before signing of the contract of the loan, make sure you understand all the particulars of the loan.

  1. Terms of the loan
  2. Interest rate
  3. No hidden fees
  4. How and where you should send monthly payments
  5. Warrantees and insurance
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  • 750 - 800 Excellent Credit
  • 700 - 749 Good Credit
  • 650 - 699 Prime Score
  • 600 - 649 Poor Credit
  • 300 - 599 Bad Credit
  • 740 - 800 Super prime  car loan rates 
  • 700 - 739 Preferred  auto rates
  • 650 - 680 Prime car loan rates
  • 570 - 640 Sub-prime car loan
  • 500 - 560 Bad credit car loan  
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