If you discovered that your credit may be low, you may wonder how you will be able to get low credit car loans. Throughout Columbus, Grove City, and Lincoln Village, Ohio, you will find that many people visit us with less-than-ideal credit. With some help from Georgesville Nissan, you'll get a loan that works with your budget and lifestyle.


What Does it Mean to Have Low Credit?

Low credit refers to the score you have, according to FICO, an analytics company that assesses credit risk. If you do possess this type of score, it may be more challenging to qualify for loans. You may also face higher interest rates. Low credit scores range from 580 to 669. With our experienced finance team members, you can get a loan with our financial finesse.


Why Do I Have Low Credit?

When you're told you have low credit, you may be wondering how this came to be. It's not instantaneous, but rather it develops over time and results from various ways of handling your debt.

Payments sent in late or missed altogether can drop your credit rating. If you carry large credit card balances or past delinquent accounts, this contributes to that drop. Any time you inquire about a credit card or seek approval to get one, this eventually lowers your score, especially if you do this a lot.

Through tough times, your credit may suffer. This points to difficult circumstances, such as home or business foreclosures, bankruptcies, delinquent credit, or car repossessions. These situations can arise and may be your only alternative at the time.

All these issues can be overcome, and our skilled finance team knows which lenders to contact to make your automotive dream a reality. For every car buyer, there is a loan program that can work out for you and let you purchase a new ride.


See How You Can Improve Your Credit

Turn the page and improve your credit. It can be done by engaging in new practices that could completely change your credit status. You just need to know how to go about doing so.

To get started, order a credit report from a reputable agency. It will detail the debts you have and loans you've taken out. When you start looking at it, you may understand what happened and how it can be reversed.

Paying your bills on time can be the best defense of all, so maybe consider signing up for online bill paying instead of sending them through the mail. If you cannot pay your entire credit card bill that month, make sure that you at least pay the minimum. Try your best, though, to pay the entire amount to avoid extra interest.

Pass on those store credit cards that you possibly don't even need. Remember that every time you inquire about a card, whether you're approved or not, your score drops up to five points.


Let Georgesville Nissan Help with Low Credit Car Loans

Low credit may impact the type of car loans Columbus, Grove City, and Lincoln Village, OH, shoppers may get. A seasoned finance team member at Georgesville Nissan will seek out the ideal loan package for you after discussing your options. Contact us online or call to talk car-buying strategy.


Make an Inquiry

Contact

Georgesville Nissan

1260 Auto Mall Dr
Directions Columbus, OH 43228

  • Sales: 614-369-4444
  • Service: 614-369-4433
  • Parts: 614-369-4433

Hours

  • Monday 9:00 am - 8:00 pm
  • Tuesday 9:00 am - 8:00 pm
  • Wednesday 9:00 am - 8:00 pm
  • Thursday 9:00 am - 8:00 pm
  • Friday 9:00 am - 6:00 pm
  • Saturday 9:00 am - 6:00 pm
  • Sunday Closed