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Financing a Vehicle with Less Than Perfect Credit

Just because you have mistakes in your credit history doesn’t mean that you can’t finance a vehicle that you’ll love. Many of our valued customers come to us with a credit history that they’re less than proud of, and we’re happy to work with them to find a vehicle they can afford and secure financing that is right for them. We do everything we can for drivers in the Metairie area to make the process of obtaining credit simple and affordable. We offer many financing options, including the ability to lease a vehicle. Here’s how you can approach financing a Mazda car or SUV when your credit is less than perfect.

Know Your Credit Score

Financers pull your credit score to assess the risk they’re taking when they provide you with credit. Your credit score is a three-digit number that is based on numerous factors, including your payment history, the number of loans and lines of credit you have open, and more. This information helps creditors determine how likely you are to default on your loan. Knowing your credit score a while before you plan to finance a vehicle can give you time to improve it by making your payments on time and evaluating your lines of credit. Call Paretti Mazda at ​800-499-1341 for questions about how your credit score affects your ability to buy a car.

Consider Your Employment History and Current Salary

Your credit score is not the only factor that plays a role in whether or not you qualify for a loan. A stable employment history and good salary looks fantastic when creditors are determining whether or not they should provide you with financing for a new vehicle. Don’t let a less than perfect credit score deter you from apply for credit when your employment history and salary could impress creditors.

Don’t Assume You Won’t Get Approved

Making the assumption that your credit isn’t good enough to qualify for a car loan might keep you from getting behind the wheel of a vehicle you’ll love. No matter what your credit history, stop into Paretti Mazda. We will do everything we can to help you find financing for a vehicle that you’ll love for years to come, regardless of what’s in your credit history. While we can’t guarantee that everyone will secure financing, we can guarantee that we will treat everyone who comes through our doors with the respect they deserve and do our best to find them a car they can afford.

Stop by Paretti Mazda today to get started or fill out our online credit application right now.