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Rent-to-Own Cars with Bad Credit

When you finally graduate from school and walk away with your degree, you might assume that you'll no longer have to worry about grades and scores. Unfortunately, that isn't true. As adults, we are constantly being tested on our creditworthiness and our "test scores" will influence our lives in countless, crucial ways. After all, unlike a school test that only determines whether or not you'll pass algebra, a credit score can affect your ability to qualify for a home loan, get a job, be approved for an apartment, or buy a new car with an auto loan. Luckily, as you work your way toward a better credit score, you'll be happy to know that you can find many fantastic rent-to-own cars with bad credit . . .

Rent-to-Own Cars with Bad Credit

Rent-to-Own Cars with Bad Credit

Believe it or not, rent-to-own car dealerships will not consider your credit score at all when deciding whether or not you qualify for a car. This makes them an ideal solution for people who (1) need a car quickly, (2) can not pay for a car out of pocket, and (3) have either bad credit or no credit at all. Drivers will begin making regular, weekly payments right away, but they'll also be able to drive the car off the lot right away. The payments are applied toward the cost of the vehicle so that when the term ends, if the driver has completed their payment schedule in full, the car will belong to them.

Additionally, because the payments made on a rent-to-own car are typically not reported to credit agencies, if you run into some financial difficulties and fail to make your payments, your credit score shouldn't be affected. However, some drivers want their payments recorded so that they can improve their credit score by making responsible payments. Either way, if this is a concern for you, ask the dealer if they report to credit bureaus.

Finally, as you begin searching for rent-to-own cars with bad credit, you'll find a number of options. Although all rent-to-own dealerships should welcome you as a customer despite your imperfect credit score, they will differ in important ways that could affect your piggy bank and your future happiness. Research these details and numbers before you choose your dealership and sign on the dotted line:

  • Variety of vehicles
  • Quality of vehicles
  • Cost of down payment
  • Warranty offered
  • Payment plan options
  • Length of payment plan
  • Interest rates
  • Licensing of vehicles
  • Licensing fees
  • Inspection of vehicles
  • Upfront sales tax
  • Personal property taxes
  • Dealership locations
  • Application requirements
  • Application speed
  • Available promotions
  • Customer service
  • Additional fees

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Take your time and ask about each item on the list above before you choose your dealer. After all, those details will not only affect the car you drive away with, but they will also influence how much you pay for your car in total.

If you're interested in renting-to-own or leasing a car, be sure to check out Auto By Rent, the largest rent-to-own/lease auto dealer in Missouri and Tennessee. We can help you secure a quality vehicle regardless of your credit history. To learn more about our services, please click here for a free quote or contact the location nearest to you:

North Springfield: 417-447-7979

South Springfield: 417-877-2001

Joplin: 417-553-0555

Marshfield: 417-859-6363

Rogersville: 417-753-3669

Chattanooga: 423-553-8200

We look forward to hearing from you!