How to Get a Car Loan with Bad Credit

car financing

At Brady Kilmury CDJR we know it’s not a great feeling when you have to ask yourself how to get a car loan with bad credit. In these times many people have credit that’s taken a few hits along the way. You’re not alone if you’re wondering how to get a car loan with bad credit in Birmingham. The finance team at Brady Kilmury CDJR wants to help you and other drivers learn how to get a car with bad credit. Here’s how you can get a fresh start. 

Finance Department Contact Us

Brady Kilmury CDJR Knows How to Get a Car with Bad Credit

  1. Determine how much you can afford to pay per month based on your budget. Use our payment calculator to help you see the big picture of what will go into your monthly payment. 
  2. Make a bigger down payment if possible. Do you have a used car to trade? Value your trade with us before you start shopping. You might be pleasantly surprised. 
  3. Try to clean up your credit report before applying for a loan. It’s not unusual for a credit report to contain errors. Start by checking your credit report for errors, and getting them fixed through a credit bureau. 
  4. Be honest about what kind of car you should buy, and don’t get more than you need. This might not be the time to buy a new car with the latest technology. Shopping our affordable used cars near Hoover is a good place to start. 
  5. Ask questions! When you apply for credit and when you negotiate the final price for your car, don’t be afraid to ask questions that can lead to a lower price. 

Once you’ve completed these steps apply for financing online. You’ll get pre-approved and will know exactly what kind of budget you will be working with. From there, our staff will help you find a car at our dealership to fit that budget. 

Signing paper keys

Improve Your Credit Score

If you have bad credit or no credit, when you take out a loan to buy a car you can begin to build your credit score. As long as you make your payments on time every month, your credit score will start to improve. That means that in the future you’ll be able to get lower interest rates on loans and renegotiate the terms of your current debt. 

Start Rebuilding Your Credit in Tuscaloosa!

Now that you know how to get a car loan with bad credit, get started on the process with Brady Kilmury CDJR! In addition to our helpful online tools, our staff is ready to answer your questions and help you find the car you need. Contact us online with your questions, without obligation. 

More from Brady Kilmury CDJR

  • What Colors Does The Wrangler Come In?

    If you’re shopping for a serious SUV with off-road capability, that can take you on or off the roads of Birmingham, then you’ll want to look at the 2021 Jeep Wrangler. But what makes the Wrangler even more customizable is the fact that you can find it in so many color options. If you want…

  • RAM 1500 Trim Levels Available

    If you’re looking for a heavy-duty truck with towing power and a payload capacity, then you’ll want to take a look at the 2021 RAM 1500. It offers you a variety of trim options to select from, each with its own unique personality and selection of features that make your drives through Birmingham all the…

  • 2021 Jeep Grand Cherokee Towing Capacity

      Are you curious about how much the 2021 Grand Cherokee can tow? Properly equipped, the Jeep Grand Cherokee has a maximum towing capacity of 7,200 pounds. With four available engine options, it also can suit the needs of Birmingham drivers of all stripes, whether they’re looking for an SUV capable of everyday use or…

Saved Vehicles


You don't have any saved vehicles!

Look for this link on your favorites:


Once you've saved some vehicles, you can view them here at any time.

Contact Us

(205) 923-6343

Call Now

5080 Academy Lane • Bessemer, AL 35022

Get Directions

Today's Hours:

Open Today! Sales: 9am-7pm

Open Today! Service: 7am-6pm

Brady Kilmury CDJR 33.3645111, -86.9997121.