A car salesman reveals the best car models to buy to those with bad credit. In the TikTok, Devante Hill (@bigguccinug) from ARJ’s Auto Sales shares an extensive list of different options for car buyers with low credit. “Starting a new thing called no-bull [expletive] financing. That meaning that these are the cars that my banks love basically, regardless of what your credit situation is,” Hill begins. The car salesman mentions that even if you have a repo or bad credit, they can find something for you to drive out in. “If you got some money in your pocket, as long as you don’t come in here lying, saying, ‘Oh, I made 30 grand this year, blah, blah, blah,' fake pay stubs and all that [expletive], you should be Gucci,” Hill shares. Hill does clarify that these aren’t going to be luxury cars and will be more practical and reliable cars that fit your situation. “Now, these ain’t no 2026 Maybachs and, you know, AMGs. Your credit is on the 400. You don’t get Beamer, Benz, and Bentley,” he says. What Models Does This Salesman Believe Are Good Options? The first car Hill reveals is the 2018 Dodge Caravan. Having a minivan as the first car suggested may be a tough pill to swallow for some; however, Hill mentions it is one of the top options. “One of the top cars that pop up for all of our customers,” he shares. The next car featured is the 2016 Chevy Trax. From here, Hill goes on to reveal a row of Buicks and mentions banks love these cars for financing. The recommendations continue with the Toyota Corolla and the Volkswagen Jetta up next. When shopping for an SUV, Hill elaborates that Mazda is a great option to buy. However, if you need three rows, he suggests the 2019 Ford Flex and Mitsubishi Outlander with ample room. The final car showcased in the lot tour was a 2015 Honda Pilot. “Those are the cars we have right now at ARJ’s that work best, especially for people who don’t have good credit,” Hill shares. Hill concludes by understanding that sometimes people get down or have bad luck, but these cars are a great option to rebuild credit. These cars mentioned are intended to help potential buyers with low credit to get back on their feet. How Do I Buy A Car With Bad Credit? Buying a car with bad credit can make the car-buying process more challenging. Some buyers with bad credit will get another person, like a romantic partner, to co-sign on the lease. Credit checks are done to give the banks and dealerships a better understanding of the potential car buyer's financial history. This is done to protect the dealership and banks when agreeing to financing terms. Typically, credit checks will come into play when a car has been selected, but that’s not always the case. A Toyota Corolla driver was asked for a credit check before test-driving a Bentley. While banks will desire potential buyers to have higher credit scores, it’s not impossible to get approved for financing. Motor1 previously reported that these factors come into play when buying a car with bad credit: Check Your Credit Score: Knowing your credit score will give you a better understanding of what to expect when financing. A FICO score less than 580 is considered to be poor. With a lower credit score, potential buyers should expect higher interest rates. Have Reasonable Expectations: Having bad credit will come with a higher annual percentage rate (APR). With this, the buyer should shop around for a less costly car to accommodate the situation. It’s important to budget appropriately and consider the APR when buying. Maximize Your Down Payment: Having a higher down payment will lower the monthly payments. Any cash down payment or trade-in can help with the lease agreement. Shop For Financing Ahead Of Time: Multiple lenders can be explored for pre-approval prior to buying the car. It’s best to find a lender with a favorable APR and lease duration. This can be done with local, national, or online banks. Focus On A Loan’s Annual Percentage Rate (APR): Focusing on the monthly payment can be misleading. With a lower monthly payment, the lease duration could be longer, and more interest can be collected over time. Buy A Cheaper Car: If you are struggling to get a reasonable rate, it may be best to buy a cheaper car with whatever loan is possible. Driving a beater may not be the most appealing purchase, but sometimes it has to be done. Making consistent monthly payments can be a way to rebuild your credit score, which can lead to another opportunity to buy another car. ‘Bad Credit And Wanting An AMG Is A Felony’ Hill’s recommendations caught the eye of one viewer. “That Mazda and Honda pilot will work perfectly,” one TikTok commenter shared. While another viewer went on to mention that buying an AMG with poor credit shouldn’t be allowed. “Bad credit and wanting an AMG is a felony,” another commenter added. “Diabolical,” Hill replied. Motor1 has contacted Hill via email and TikTok direct message. We will update this story if he responds. We want your opinion! What would you like to see on Motor1.com? Take our 3 minute survey. - The Motor1.com Team
